PSLF Qualifying Payments Calculator
Reviewed by Hamza Gujjar, Algorithm Architect & Software Developer
Last updated: July 28, 2026PSLF Qualifying Payments Calculator
Working toward Public Service Loan Forgiveness? This calculator tracks exactly how far along you are.
Percent Complete = (Qualifying Payments Made / Required Payments) x 100
Example
60 qualifying payments made out of the standard 120 required:
Percent Complete = 50.0% → 60 payments (~5.0 years) remaining
What Counts as a "Qualifying Payment"
Public Service Loan Forgiveness (PSLF) generally requires 120 qualifying monthly payments - 10 years' worth - made under a qualifying repayment plan while working full-time for an eligible employer, typically a government organization or qualifying nonprofit.
Certify Employment Regularly
Only payments made while employed by an eligible organization count toward this total, so submitting the employment certification form annually (or with each employer change) is essential for accurately tracking progress and avoiding disputes about qualifying payment counts later on.