Student Loans

Public Service Loan Forgiveness (PSLF) is a federal program that forgives the remaining balance on your Direct Loans after you make 120 qualifying monthly payments (approximately 10 years). To qualify, payments must be made under an eligible repayment plan while working full-time for a qualifying employer.

The amount forgiven under PSLF is not considered taxable income.

UK HealthCare is a qualifying employer under this program.

*Qualifying employers include U.S. federal, state, local, or tribal government organizations, eligible not-for-profit organizations, and the U.S. military.

Preferred Method - PSLIF Electronic Submission

1. Please complete your PSLF form using the Federal Student Aid PSLF Help Tool:  https://studentaid.gov/pslf/ If you create an account please wait 1-3 days as they need to verify your Social Security information. 
2. Once logged in, you will see a Quick Links area on your dashboard. Select the PSLF Help Tool.
   1. This tool will examine your loan status, the types of loans you have and repayment options available to you. Only after 10 years of making qualifying payments while working at a non-profit will you qualify for PSLF. 
3. Employment History- You will be prompted to add your employment history for that 10 year duration. You must have your previous Employer ID Number (EIN) to see if that establishment qualifies.  UK's EIN is 61 600 1218. Enter your employment status, hours worked etc. 
4. Loan Tips- The next section will discuss which loans apply to PSLF and which loans need to be consolidated in order to qualify. 
5. Attest if you have or have not made 120 qualifying payments. 
6. Enter your personal information 
7. Review and Save

If you prefer to submit the form manually, please email the completed PSLF form to GMEadmin@uky.edu.  A blank Public Service Loan Forgiveness (PSLF): Employment Certification Form can be found here.   Please allow up to one week for GME completion.

If you have questions, please reach out to the GME Office.