U.S. student aid · public service
PSLF progress planner.
Turn your current qualifying-payment count into the remaining months and a rough 120th-payment date.
Your progress
Planning result
Keep the official count authoritative
PSLF generally requires 120 qualifying monthly payments while working full-time for a qualifying employer on a qualifying Direct Loan and repayment plan. This page only projects calendar time from the count you enter. It cannot certify employment, loan type, payment status, buyback, pauses or forgiveness.
Source checked September 29, 2026: Federal Student Aid's PSLF progress guidance. Use your StudentAid.gov account and PSLF Help Tool for official records.