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  • Marcus P. Miller, CFP®

Military student loan relief

You may have heard of Public Service Loan Forgiveness (PSLF). It's a program that allows people to waive (pay off) their student debt if they work for non-profits or the government. This includes the military.


For a limited time, there is a waiver that will simplify and improve the process to apply for PSLF. If you have served on active duty for 10 years (or close to it), this article is worth your time. Note: The waiver ends 31 Oct 2022.


There are a few general rules for the PSLF program.

  1. Make sure you work for a qualified employer (The US Military is)

  2. Accumulate 10 years of payments (you can apply if you are less than 10 years, but the relief will happen after 10 years of payments). This is measured as 120 payments.