Is Bayport Federal Credit Union PSLF eligible?
Short answer: Maybe. Check before you count on it. IRS records list Bayport Federal Credit Union (EIN 54-0314180) in Newport News, Virginia as a 501(c)(1) organization, not a 501(c)(3). Non-501(c)(3) nonprofits qualify for PSLF only if they provide certain qualifying public services. Confirm with the official PSLF Help Tool.
Last verified November 5, 2026 · PSLFCheck Editorial
IRS record
| Organization | Bayport Federal Credit Union |
|---|---|
| EIN | 54-0314180 |
| Location | Newport News, Virginia |
| IRS subsection | 501(c)(1) |
| NTEE category | Not listed |
| PSLF employer type | Maybe: depends on services provided |
Source: IRS Exempt Organizations Business Master File extract. Status can change, so confirm it in the PSLF Help Tool.
How to confirm
- Search EIN 54-0314180 in the official PSLF Help Tool.
- Submit the PSLF form signed by your employer.
- Check your full path with the forgiveness checker and estimate payments with the RAP calculator.
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FAQ
Is Bayport Federal Credit Union a PSLF-qualifying employer?
It is listed by the IRS as a 501(c)(1) organization. These qualify only if they provide certain public services. Confirm in the PSLF Help Tool.
What is the EIN of Bayport Federal Credit Union?
IRS Exempt Organizations data lists EIN 54-0314180 for Bayport Federal Credit Union in Newport News, Virginia. Use the EIN on your PSLF form.
Does working there automatically mean my loans will be forgiven?
No. You also need full-time employment (generally 30+ hours a week), Direct Loans, a qualifying plan (RAP, IBR/IDR, or 10-year Standard), and 120 qualifying payments.
What if I work for a contractor at this organization?
PSLF counts your direct employer, the one that pays you. Contractor employees generally don't qualify through the client organization.
Sources
- Public Service Loan Forgiveness — studentaid.gov — accessed November 5, 2026
- PSLF Help Tool & form — studentaid.gov — accessed November 5, 2026
- 34 CFR 685.219 — PSLF (eCFR) — accessed November 5, 2026
- IRS Exempt Organizations Business Master File extract — accessed November 5, 2026
Related: What is PSLF · PSLF requirements · PSLF form · Teacher forgiveness · Forgiveness in 2026 · Apply for RAP · Get out of default · Wage garnishment