Estimate how much PSLF will forgive tax-free, how many qualifying payments you have left, and when your loans disappear — based on your balance, rate, and income-driven payment.
PSLF forgives the remaining balance tax-free after 120 qualifying payments at a nonprofit/government employer. This estimate assumes you stay eligible and your payment grows modestly as your income rises. Residency/fellowship payments often count — certify employment yearly.
Our full engine compares PSLF, RAP, capped IBR and refinancing on your exact numbers — free, no signup to see your answer.
Run my full numbers →After 120 qualifying monthly payments while working full-time for a nonprofit or government employer, your remaining Direct Loan balance is forgiven tax-free. We project your balance forward at your interest rate and payment to estimate what's left at payment 120.
Often yes — if your training hospital is a nonprofit or government employer and you're on a qualifying income-driven plan. That's why certifying employment every year from the start matters; those low-income training payments are extremely valuable.
No. PSLF forgiveness is tax-free at the federal level — unlike long-term income-driven forgiveness, which is generally taxable. That tax-free status is a big part of why PSLF often wins for physicians.
Educational estimates, not financial, tax, or legal advice. Calculations are simplified and may differ from your servicer or the IRS. Verify specifics at studentaid.gov. See our methodology and disclosures.