The Public Service Loan Forgiveness Deadline is Oct. 31. What To Know Now

Public servants can qualify for student loan forgiveness. A waiver making it easy to apply expires Oct. 31. But you may get a second chance.

Pencil erasing the words student loans
(Image credit: Getty Images)

People eligible for student loan forgiveness because they work in public service jobs have just a few days to meet an important deadline to apply. Student loan debtors who may qualify for Public Service Loan Forgiveness have until Oct. 31 to take advantage of a federal government waiver that allows for more of their past payments to count against their debt.

That’s the deadline for applying for a waiver under what the government is calling Temporary Expanded Public Service Loan Forgiveness, which was created after reports emerged of borrowers having trouble receiving credit for past loan payments in a program that was widely criticized for being complicated and badly managed. 

Subscribe to Kiplinger’s Personal Finance

Be a smarter, better informed investor.

Save up to 74%

Sign up for Kiplinger’s Free E-Newsletters

Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.

Profit and prosper with the best of expert advice - straight to your e-mail.

Sign up

To continue reading this article
please register for free

This is different from signing in to your print subscription

Why am I seeing this? Find out more here

Senior Retirement Editor,

Elaine Silvestrini has worked for Kiplinger since 2021, serving as senior retirement editor since 2022. Before that, she had an extensive career as a newspaper and online journalist, primarily covering legal issues at the Tampa Tribune and the Asbury Park Press in New Jersey. In more recent years, she's written for several marketing, legal and financial websites, including and, and the newsletters Auto Insurance Report and Property Insurance Report.