Comments on: How do I know if my Employer is Eligible for Public Service Loan Forgiveness?

By: Michael P. Lux, Esq.

Michael P. Lux, Esq. — Wed, 31 Jan 2024 20:59:18 +0000

That is strange.

I haven’t seen this exact issue before, but I ran into something similar when I was certifying my self-employment income. They wanted a letter explaining everything, and this went back and forth for a while.

I’d suggest asking who the letter needs to be signed by, and what it needs to contain to satisfy them. If you can accommodate, that might be the easiest route.

By: Ester Anguiano

Ester Anguiano — Mon, 29 Jan 2024 15:10:18 +0000

In reply to Michael P. Lux, Esq.. Yes, I have submitted an employer certification form signed by the current agency (HHSC). The Texas state agency was abolished in 2016 and employee transferred to other state agencies. The servicer is requesting a letter that the agency was abolished and I have to get all my W-2s from 2008-2013. Although, 2016 DARS W-2 has been certified.

By: Michael P. Lux, Esq.

Michael P. Lux, Esq. — Sat, 27 Jan 2024 19:42:49 +0000

In reply to Ester Anguiano. I'm not sure I follow this question. A Texas state agency will likely be eligible. Have you submitted an employer certification form?

By: Ester Anguiano

Ester Anguiano — Thu, 25 Jan 2024 21:50:09 +0000

Hello, how can a Texas state agency be qualified and the state employer has certified all government service.
I have the qualified payments and employment years, but because one of the agencies is no longer operational and I was transferred to another state government agency with no break in service not be qualified and certified.

By: Michael P. Lux, Esq.

Michael P. Lux, Esq. — Mon, 06 Nov 2023 21:56:39 +0000

In reply to Trevor J.

Great question Trevor, and nice work reading the fine print on the form.

The classic example of that exception would be a public defender appointed by the court. Many jurisdictions have statutes that prohibit these attorneys from being directly employed by the state or the court in order to avoid a conflict.

As for your situation, if there was a state law that prohibited hiring someone directly into your position, you probably meet this exception.

That all said, even if you don’t think you meet the exception, it doesn’t hurt to turn in a PSLF form to find out for certain.

By: Trevor J

Trevor J — Sun, 05 Nov 2023 11:59:56 +0000

I was reviewing the PSLF and TEPSLF Certification & Application form (Expiration 11/30/2023) and there appears to be a section which reads:
“A contracted organization is a separately organized employer that through a written agreement with a qualifying employer performs services for the qualifying employer. The direct employees of the contracted organization are not direct employees of the qualifying employer. However, if the direct employees of the contracted organization are in positions or providing services that, under State law, cannot be filled or provided by a direct employee of a qualifying employer, the Authorized Official of the qualifying employer can certify their employment as if those employees were direct employees of the qualifying employer.”

So, I know working as a contractor typically doesn’t qualify, but if I was working for a medical staffing agency and was working in facilities that were not-for-profit and/or providing public health services because they could not find a direct employee to fill their need, would that time qualify under the above definition?

By: Michael P. Lux, Esq.

Michael P. Lux, Esq. — Fri, 27 Oct 2023 01:54:42 +0000

In reply to Melinda. There isn't any prohibition on having a side-hustle or additional stream of income if you are working toward PSLF. The key is that you continue to meet the full-time PSLF employment requirement and that you don't leave the job too early.

By: Melinda

Melinda — Thu, 26 Oct 2023 15:59:18 +0000

What if you work for a qualifying PSLF company and have already been qualified but you want to start your own for for-profit business while still working for the qualifying employer.

Are we allowed to have one job that qualifies and one business that is ours?

Are you allowed to work a part-time job for a non-qualifying employer as long as you maintain full-time employment for the PSLF Company?

By: Mad

Mad — Sun, 20 Aug 2023 19:05:47 +0000

In reply to Michael P. Lux, Esq.. I just switched to the SAVE program...but I do not have a small balance...over $100k

By: Michael P. Lux, Esq.

Michael P. Lux, Esq. — Sun, 20 Aug 2023 18:44:58 +0000

In reply to mad. The 10-year public service loan forgiveness program does require 10 years of work for the government or an eligible non-profit after 2007. You could start that at any time. Also, just to clarify, the new SAVE plan also introduced a 10-year forgiveness provision for borrowers with smaller balances. This option does not have an employer requirement.