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Federal employee unions have urged federal employees to act soon to qualify for a special waiver period under the Public Service Loan Forgiveness Program which allows borrowers to receive credit for past repayments that would not otherwise meet standards for forgiving loans under the program.

The waiver period ends October 31 under that program, which allows for forgiveness of loans under several programs for those who have been current on their payments monthly for 10 years. “If you previously applied for PSLF and were denied because of your loan type, we encourage you to try again,” the AFGE union said in a posting similar to that of other unions.


The waiver period includes potential eligibility to have certain non-direct loans become qualified under the program – but to qualify, such loans would first have to be consolidated into a direct consolidation loan before that date.

The waiver also extends eligibility under certain circumstances including payments that weren’t made on time or for the full amount, and for payments made through other than standard repayment plans.

More information is at https://studentaid.gov/announcements-events/pslf-limited-waiver.

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2022 Federal Employees Handbook