Thank you for visiting the CPCS Public Service Loan Forgiveness (PSLF) webpage – we hope you’ll find what you’re looking for here.

The Department of Education published final regulations governing the PSLF program which became effective July 1, 2023.  These regulations can be viewed here.

The new regulations allow borrowers in specific situations who are employed as contracted workers for a qualifying employer that provide services which, under applicable State law, cannot be filled or provided by a direct employee of the qualifying employer, to qualify for PSLF.  An employee who works under this condition may receive a Form 1099, which would be acceptable instead of a W-2. CPCS is a qualifying employer for PSLF purposes.

See Chief Counsel Benedetti’s PSLF announcement here.

Public Service Loan Forgiveness Application

Please click here for the PSLF Application.

CPCS FEIN:  046002284

Email for Private Attorneys’ PSLF form and for questions regarding PSLF: [email protected] (pslf [at] publiccounsel [dot] net)

The mailing address for PSLF applications is:  CPCS 75 Federal Street, 6th Floor, Boston, MA 02110.

To learn about PSLF please click here for more information.

The Department of Education strongly encourages borrowers to utilize its PSLF Help Tool to complete and generate a PSLF form, which borrowers electronically sign. Once submitted through the PSLF Tool portal, the Department of Education then sends electronically a request for CPCS to certify the application.

 

This tool has been developed to help make the PSLF certification process more streamlined and efficient. Click here for more details.

Here is a helpful YouTube tutorial to guide you through the PSLF Help Tool.

For information on types of Forgiveness, Cancellation, and Discharge visit this page.

The SJC Standing Committee on Lawyer Well-Being has partnered with AccessLex, a nonprofit committed to helping law students and new lawyers become empowered through financial education.  See Access Lex resources here:

PSLF Townhall September 2023

PSLF Townhall October 2023

Public Service Loan Forgiveness Essentials

PSLF is complicated and it can be tricky to navigate on your own.  In this video, Heather Jarvis explains what every attorney needs to know about PSLF including:

qualifying employment for contractors, eligible loans and how to determine if you need to consolidate, qualifying payments, Income-Driven Repayment (IDR) plans, and the impact of the administration’s “one-time account adjustment.”