PSLF Timeline Calculator

Track your progress toward Public Service Loan Forgiveness. See your estimated forgiveness date.

120 qualifying payments required · All calculations in your browser · Nothing stored

Qualifying PSLF payments made so far

Check with your servicer if unsure. The StudentAid.gov tracker is currently offline.

When did you make your most recent qualifying payment?

If in SAVE forbearance, enter your last qualifying payment before forbearance began.

Are you currently in SAVE Administrative Forbearance?

Current federal loan balance (optional)

For context only — PSLF forgives the full remaining balance regardless of amount.

Work full-time (30+ hrs/week) for a qualifying employer (government or 501(c)(3) nonprofit)
Have Direct Loans (or consolidate FFEL/Perkins into Direct)
Be on an income-driven repayment plan (IBR, PAYE, or ICR)
Make 120 qualifying monthly payments (don't need to be consecutive)
Submit the Employment Certification Form (ECF) annually

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