Deadline for student loan forgiveness for state employee is Oct. 31

Graduation cap atop a calculatorIf you have student loan debt, you may qualify for debt forgiveness.

Human Resources is reaching out to make sure UNCSA employees are aware of the upcoming deadline of Oct. 31, 2022, to get special flexibility on applications for federal Public Service Loan Forgiveness.  

The Public Service Loan Forgiveness (PSLF) program forgives the remaining balance on federal direct student loans for certain public service employees after a total of 120 months of qualifying payments. State government is a qualifying employer. Other types of qualifying public service include work for other types of government, 501(c)(3) organizations, and some nonprofits.  

The temporary PSLF waiver makes it possible for millions of public service workers to get credit for past periods of repayment that would otherwise not qualify – reducing or potentially eliminating student loan debt. For example, under the waiver:

  1. Past periods of repayment will now count whether or not you made a payment, made that payment on time, for the full amount due, or on a qualifying repayment plan;
  2. Borrowers with a FFEL Program loan, Perkins Loan, or certain other federal student loan can benefit by consolidating their loans into a Direct Consolidation Loan and receive credit for periods of repayment pre-consolidation; and
  3. You are eligible for forgiveness even if you are not employed by a qualifying employer at the time of application.

The deadline to take advantage of this opportunity is Oct. 31, 2022!  

To learn more:

  1. Visit,, or
  2. Contact your student loan servicer and let them know that you are interested in PSLF and the waiver.  Your loan servicer should be able to assist you.

It is important to act quickly as consolidation could take one to two months to complete. Please set aside time this week to see if you can benefit – and thank you for serving your community and our state!  

Contact: Angela Mahoney

Sept. 22, 2022

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