Public Service Loan forgiveness (PSLF) is a federal program that allows federal student loan debt to be forgiven after working full time for 10 years at qualifying non-profit or government agencies.

What is PSLF?
PSLF is a federal program that allows federal student loan debt to be forgiven after 10 years.
If you:
- Make 120 months (10 years) of qualifying payments
- Are on an income-driven repayment plan (such as REPAYE)
- Work for a qualifying non-profit or government agency full-time during the 10 years
- Have direct Stafford federal loans
Tax-exempt employers often handle more complex student loan requests from their employees. Vault’s non-profit clients receive PSLF support, including:
Expert Guidance: Employees receive proactive communication and 1:1 guidance with certified loan counselors.
Educational Materials: Employees receive PSLF-specific educational content.
PSLF 1:1 Counselors
Expert Guidance: Vault’s trained Counselors are familiar with all aspects of the PSLF program – from application to achieving forgiveness.
Targeted Advice: Employees get advice specific to their student loan situation and get PSLF answers targeted to each individual circumstance.
Unlimited Access: Employees have unlimited access to Counselors every week day of the year; always free of charge.
Join The Vault Revolution.
Vault helps borrowers tackle student loan debt through employer contributions, expert consultation and easy-to-use financial tools. Reach out to our team today if you'd like to recommend Vault to your employer!
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