USPS Student Loan
Estimate Payoff Time & Eligible PSLF Forgiveness for Postal Workers
What This Tool Does
This calculator helps United States Postal Service (USPS) employees see how long it takes to get federal student loan forgiveness using Public Service Loan Forgiveness (PSLF). USPS workers automatically qualify as a federal government employer under PSLF, meaning with 120 on-time payments under an income-driven repayment (IDR) plan, remaining Direct Loan balances are forgiven with no federal tax.
Common searches you’ll rank for: “USPS student loan forgiveness calculator”, “USPS PSLF calculator”, “USPS employee IDR forgiveness timeline”, “USPS employee student loan relief”
How It Works – Step-by-Step Inputs & Output Logic
1. Loan & Employer Info
2. Repayment Plan Selection
3. Extra Payments (Optional)
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Official Sources & Modeling Assumptions
All full-time USPS employees are eligible because USPS is considered a federal government agency.
120 on-time payments on a qualifying repayment plan while working full-time (≥30 hours/week) for a qualifying employer like USPS.
Only William D. Ford Federal Direct Loans qualify. FFEL or Perkins loans must be consolidated to Direct Loans first.
Forgiven amounts under PSLF are not federally taxed. State taxation may apply depending on your residence. You can toggle state tax logic on or off.
Submit your Employment Certification Form annually via studentaid.gov/PSLF to track PSLF eligibility.
Why USPS Employees Love This Tool
USPS employees already know they qualify—including popular jobs like mail carriers, clerks, and postal inspectors. This calculator shows exactly how much debt gets wiped out, how soon, and what to expect when you submit your annual certification to PSLF servicer MOHELA. You can proudly show your expected tax-free relief (federal), clearly outline the number of months left, and see how extra payments reduce your total cost, all in a clean, shareable report.
FAQ Section
Yes—full-time USPS employees are considered federal public service workers and are automatically eligible for PSLF, as long as they make 120 qualified payments under a qualifying plan.
Only Federal Direct Loans qualify. FFEL or Perkins loans must first be consolidated into a Direct Loan to apply toward PSLF.
No federal tax; state tax varies by state. The tool includes toggle options to see state income tax effect.
Ideally every 12 months, especially when transferring USPS duty stations; helps maintain your qualifying payment history.
Start Planning Your Debt Relief Now
Enter your loan, plan, and USPS service details to get a clear timeline and outlook—see how close you are to the PSLF finish line and how much you can defer in federal loan debt through your service. With built-in calculations for IDR payment structure, employer eligibility, extra-payment scenarios, and downloadable PDF reports, this is the most USPS-targeted PSLF calculator available. Start forecasting your future—with confidence.