How close are you to 120 payments?

Payments made, payments to go, and your estimated forgiveness date.

Your PSLF progress

01 / COUNT

Qualifying payments made so far (0–120)

Current loan balance

Employer type

Email my results

PSLF forgives the remaining balance on Direct Loans after 120 qualifying payments for a qualifying employer. Program rules change — verify current requirements at studentaid.gov. Calculate to activate the email and copy buttons. Your entries stay in this tab and are not saved.

Count down to 120.

Enter your qualifying payments — see what's left and your estimated forgiveness date.

⚠ This employer likely doesn’t qualify for PSLF.

PSLF requires a qualifying employer — U.S. federal, state, or local government, or a 501(c)(3) nonprofit. A for-profit employer (even a school) generally does not qualify. No estimate is shown because payments with this employer wouldn’t count toward the 120. Check your employer at studentaid.gov/pslf.

PAYMENTS REMAINING

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PAYMENTS MADE—of 120 required

PROGRESS—

EST. FORGIVENESS DATE—today + payments left

What this means

Rough estimate: assumes you stay on an income-driven plan and keep making qualifying payments. Your servicer has the exact figure.

studentaid.gov/pslf — program rules change, so verify current requirements there.

Assumptions: Priority ranking heuristic, not a guarantee. Pair with the Study Planner for day-by-day scheduling.

Educational estimate, not academic or professional advice.

Your PSLF progress

Count down to 120.

What this means

What's next?