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An income jump, a new job, marriage, or a child can flip your best plan. Re-run your numbers once a year — and any time life changes — so you never drift onto the wrong path. We'll email you a reminder when it's time.
Forgiveness comes after 120 qualifying monthly payments while you work full-time for a qualifying nonprofit or government employer. Track your count here so you always know exactly where you stand.
Update this after each payment, or after you certify employment. Estimate assumes you continue qualifying payments monthly. Confirm your official count in the PSLF Help Tool.
The free tool models today. This models your real trajectory, year by year. We've pre-filled the next 12 years from your saved plan — edit any year's income, marital status, spouse income, kids, or employer (you can change several things in the same year), then recalculate. This is where the biggest six-figure swings hide.
Educational estimates, not advice. Forgiveness rules, tax law, and rates can change; verify at studentaid.gov.
We'll email you when these come due so nothing slips — this is how a great plan stays optimized over a career.
Educational guidance, not financial advice. Some items may link to partners we have relationships with; we only suggest moves that are genuinely in your interest, and a partner relationship never affects your loan recommendation. See disclosures.
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