PSLF Strategy in 2026: New Employer Rule, RAP Plan, and Parent PLUS Changes

Public Service Loan Forgiveness remains one of the best student loan forgiveness programs for federal student loan borrowers working in government or at qualifying nonprofits.

The core program hasn’t changed: you still need to hit four requirements to get your loans forgiven. But the rules around those requirements are shifting in 2026, and if you’re actively pursuing PSLF, you need to understand what’s different.

Here are the four pillars of PSLF eligibility and what’s changing with each.