Is PSLF going away?

Short answer: No. As of November 5, 2026, Public Service Loan Forgiveness still exists: 120 qualifying payments while working full-time for a qualifying employer, then the remaining Direct Loan balance is forgiven tax-free federally. P.L. 119-21 did not repeal PSLF, and RAP payments count toward it. ED has issued rules on which employers qualify, and those rules face legal challenges — watch for updates.

Last verified November 5, 2026 · PSLFCheck Editorial

What changed

RAP payments qualify for PSLF; Tiered Standard payments generally do not unless on a 10-year schedule.
ED rulemaking on employer eligibility has been published and is being contested; your employer's status could be affected only under those specific rules.

What to do

Keep certifying employment with the PSLF Help Tool on studentaid.gov.
Stay on a PSLF-qualifying plan (RAP, IBR, or 10-year Standard).
Estimate months left and forgiveness with the PSLF scenario in the calculator.

Compare RAP vs IBR with my numbers →

Sources

Public Law 119-21 (One Big Beautiful Bill Act), Sec. 82001 — Congress.gov — accessed November 5, 2026
34 CFR 685.209 — Income-driven repayment plans (eCFR) — accessed November 5, 2026
Top FAQs About Income-Driven Repayment Plans — studentaid.gov — accessed November 5, 2026
CRS IF13075: The Repayment Assistance Plan in P.L. 119-21 — Congress.gov — accessed November 5, 2026
Edfinancial (federal servicer, studentaid.gov domain): RAP information — accessed November 5, 2026

Disclaimer: Not affiliated with the U.S. Department of Education or any loan servicer. Educational information, not financial or legal advice. Results are estimates. Confirm with studentaid.gov or your servicer. Published by PSLFCheck Editorial, AK Digital Marketing LLC.