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The PSLF program is a federal program that forgives up to 100% of your federal student loan debt if you work in a qualifying public service job.  The program was created in 2007, as a way to help people in lower-paying government jobs to able to manage their student loan debt.


Only the following types of loan qualify for PSLF:

  • Direct Subsidized / Unsubsidized
  • Direct Consolidated Loans
  • Direct PLUS
  • Direct Stafford Subsidized / Unsubsidized

Private loans, loans in default, and federal loans not listed above do not qualify for PSLF.

Fortunately, there is a way to convert your federal loans into Direct Loans so that they can qualify under PSLF. The Direct Loan Consolidation program works by taking all of your federal student loans and consolidating them into one new Direct Loan.

If you do not have Direct Loans but want to apply for Public Service Loan Forgiveness, you will need to consolidate your loans in this way. Consolidating your federal student loans is free if you apply on your own online at or via paper application, or you can hire a private company to help you through the process.

Currently, there is no maximum amount that can be forgiven under PSLF.

No. Any amount forgiven under PSLF is not considered taxable income, making PSLF very different from income-driven repayment plans without PSLF.

No. You must make 120 qualified payments for PSLF to work, but they do not have to be made consecutively. For that reason, it will take at least 10 years to qualify for PSLF, but it could take longer.

If you work in two separate public sector or non-profit jobs, you are considered to meet the requirement for full-time employment if the combined hours at both positions is 30 hours or more per week.


Debt Consolidation is the process of combining multiple debts into one and can be done in a variety of ways. On a Debt Management Plan, your unsecured debts are combined so that you only have to make one monthly payment to the Debt Management Company and they will disburse your payment out to each of your creditors individually. Another way to achieve debt consolidation is by taking out a Consolidation Loan which requires approval from a lender and may not always be possible.

Enrolling in a Debt Management/Debt Consolidation Plan will typically lower your interest rates and monthly payments making your debt more affordable to pay back. Receiving lower interest rates also means that more of your monthly payments will be applied towards your principle balances and not the finance charges giving you a shorter payoff term.

We can help you with most forms of unsecured debt including Credit Cards, Collection Debt, Medical Debt, Unsecured Personal Loans, Payday Loans and Repossessions.

We are able to work with almost all major creditors but if you have an account with a creditor that does not work with us you will be informed of that during your free consultation.

Upon enrolling into our Debt Consolidation Plan, your credit card accounts will have to be closed from further charging.

Going on a Debt Management/Debt Consolidation Plan is a neutral mark on your credit score. Debt Reduction Services does not report anything to any of the credit bureaus however in some cases your creditors may place a temporary notation stating you are participating in a Debt Management Plan. This notation should be removed once you are no longer enrolled.

Yes. Once you enroll in our Debt Management Plan you will be given access to your client portal where you can view your accounts, balances, and payments at your convenience.