Big change = big opportunity

Act now to take advantage of the changes to Public Service Loan Forgiveness

woman holding coffee and using laptop

The Public Service Loan Forgiveness Program (PSLF) forgives the remaining balance on your Direct student loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.

What changed:

On Oct. 6, 2021, the U.S. Department of Education (ED) announced a change to PSLF program rules for a limited time due to the COVID-19 national emergency. From now until Oct. 31, 2022, you may receive credit for past payments made on loans that would otherwise not qualify for PSLF.

What this means:

Any prior student loan payments made while working full time for a qualifying employer (such as a public school) will count as a qualifying PSLF payment, regardless of loan type, repayment plan, or whether the payment was made in full or on time. Private loans and Parent PLUS loans do not qualify.

What next:

1. Sign up for your Student Loan Solutions account.

This program is offered complimentary just for educators and gives you resources, tools and guidance to help you navigate these changes all in one place.

2. Once you’ve activated your Student Loan Solutions account, link your existing loans and complete the Strategy Finder

This will tell you the type(s) of student loans you currently have so you can determine what to do next.

3. Based on your current loan status, take the appropriate action item(s).

Use the following table as a guide.

public student loan status and actions table.

Loan coaches are available to help you through our technology partner,, within your Student Loan Solutions account. You can also reach out to your Horace Mann representative.

For more information, check out this blog post from our Student Loan Solutions technology partner,, or visit


The information provided here is for general informational purposes only and should not be considered a recommendation. Horace Mann’s Student Loan Solutions program includes services provided by an independent third party, Horace Mann is an independent company not affiliated with the Department of Education or the federal government. Horace Mann does not negotiate, adjust or settle debts. No assistance provided by Horace Mann constitutes official action for purposes of student loan forgiveness programs or guaranteed results. Horace Mann’s Student Loan Solutions program terms are subject to change.

WBTL-00859 (Oct. 21)

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