💡 Frequently Asked Questions (FAQ)
- Q: What is the Public Service Loan Forgiveness program?
- A: PSLF forgives remaining federal student loan balance after 120 qualifying monthly payments while working full-time for a government or non-profit employer.
- Q: Why are PSLF applications being delayed now?
- A: Borrowers and advocates allege systemic processing slowdowns, staffing cuts, and administrative hurdles at the Department of Education are causing widespread delays and denials.
- Q: What does shadow repeal mean in this context?
- A: Shadow repeal refers to effectively ending a program through bureaucratic delays and obstruction rather than formal legislative repeal.
- Q: What can affected borrowers do while waiting?
- A: Keep making certified payments, track qualifying employment, submit annual certification, and document all correspondence with loan servicers and the Department of Education.