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What can borrowers do if previous employers refuse to sign off on public service loan forgiveness? According to the U.S. Department of Education’s office of federal student aid, borrowers may be able to certify their employment using other documents.
Congress established the program in 2007. It’s meant to encourage college graduates to work in the public service sector by promising to forgive their remaining student loans if they remain in the field for 10 years and make 120 monthly payments.Borrowers can use a W-2 form for each calendar year in their public service employment period, or paystubs for every month.Aside from encouraging college graduates to pursue careers in the public sector, the PSLF program is meant to keep employees — including social workers, teachers and attorneys who work at nonprofits — from being in debt for the bulk of their adult lives. Aside from encouraging college graduates to pursue careers in the public sector, the federal Public Service Loan Forgiveness program is meant to keep employees — including social workers, teachers and attorneys who work at nonprofits — from being in debt for the bulk of their adult lives. But the forgiveness part can be tricky to accomplish. On top of issues at the federal level , it also requires some buy-in from employers.According to the U.S. Department of Education’s office of federal student aid, if a former employer is “unable or unwilling” to sign aThe alternate forms of documentation can include a W-2 form for each calendar year in the borrower’s public service employment period, or paystubs for every month. The office won’t approve any months that lack supporting documentation.Congress established the PSLF program in 2007, during the George W. Bush administration. The program is meant to encourage college graduates to work in the public service sector by promising to forgive their remaining student loans if they remain in the field for 10 years and make 120 monthly payments. PSLF has had its issues. For years, borrowers enrolled in the program struggled to have their debts forgiven. Some made a number of payments,to the program to make it more flexible. It also discharged debt through PSLF for over 1 million borrowers. Before that, only 7,000 people had received debt relief through the program. Thomas Gokey, a case worker and policy director at Debt Collective, which advocates for debt abolition, said borrowers continue to encounter obstacles when attempting to get their employment certified. “It's not so much that the former employer is just adamantly saying, ‘No,’” he said. “A lot of times, the former employer doesn't understand what they're supposed to do.” And sometimes, he added, employers erroneously determine that their workers aren’t eligible. In those situations, Gokey said, it can help to speak with former employers, either in person or on the phone. If that’s not an option, borrowers can try getting certified using W-2 forms or paystubs.
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