PSLF Tracker Calculator

Payments must be made under an income-driven repayment plan while working full-time for a qualifying employer. Lump-sum payments and extra payments do not count as additional qualifying payments.

Submit an Employment Certification Form (ECF) annually or whenever you change employers. Use the MOHELA servicer portal to track your count.

Yes. Unlike some income-driven repayment forgiveness, PSLF forgiveness is permanently excluded from federal taxable income.