UPDATED 8/17/2021

Over the years, several missionaries have called the Reliant office asking for help in filling out a Public Service Loan Forgiveness (PSLF) Employment Certification Form so they could have their college loans forgiven after they have paid 120 qualifying payments while working full-time for a qualifying Public Service employer or employers.  Before August 2021, the PSLF qualifications excluded non-profits where proselytizing was part of the job responsibilities.  The PSLF qualifying rules have changed to now say: "If you are employed by a not-for-profit organization, time spent on religious instruction, worship services, or any form of proselytizing as a part of your job responsibilities MAY be counted toward meeting the full-time employment requirement."  This could be great news for Reliant missionaries.  Please go to Public Service Loan Forgiveness to determine if you or your loans are eligible for this program.

Once you have done your research and filled out your form, your Program Team Liaison can help fill out the employer portions of the form. (See below for contact info).

Qualifying Employer

Qualifying employment for the PSLF Program isn’t about the specific job that you do for your employer. Instead, it’s about who your employer is. Employment with the following types of organizations qualifies for PSLF:

• Government organizations at any level (U.S. federal, state, local, or tribal) – this includes the U.S. military

• Not-for-profit organizations that are tax-exempt under Section 501(c)(3) of the Internal Revenue Code

Full-time Employment

For PSLF, you’re generally considered to work full-time if you meet your employer’s definition of full-time or work at least 30 hours per week, whichever is greater.

If you are employed in more than one qualifying part-time job at the same time, you will be considered full-time if you work a combined average of at least 30 hours per week with your employers.

If you are employed by a not-for-profit organization, time spent on religious instruction, worship services, or any form of proselytizing as a part of your job responsibilities may be counted toward meeting the full-time employment requirement.

Questions?