📣 Attention IHSS Providers: You May Qualify for Public Service Loan Forgiveness (PSLF)

Many IHSS workers are unaware that their work may qualify for the federal Public Service Loan Forgiveness (PSLF) program—but it absolutely can. If you have federal student loans, you could be on your way to having your entire remaining balance forgiven tax-free after 120 qualifying monthly payments. Here’s why: Although you may provide care to a loved one or client in a home setting, your employer is the county government—a public agency. Under PSLF rules, employment with a government organization qualifies, and that includes most IHSS providers. If you receive a W‑2 from the county, and work full-time (typically 30+ hours/week), you’re likely eligible. ✔ What You Need To Do: Check your W‑2 for your county’s Employer Identification Number (EIN). Go to the PSLF Help Tool: https://studentaid.gov/pslf/ Enter the EIN to confirm your employer is PSLF-eligible. Submit the PSLF Employment Certification Form—your county HR department can help with this. Make payments under an Income-Driven Repayment (IDR) plan to count toward the 120 required payments. Even if you’re working for a family member or someone who has since passed away, your employer is still the county, and your work could still count. Many IHSS providers across California and the U.S. are now learning about this benefit—don’t miss out just because no one told you. 🔗 Resources: PSLF Overview: https://studentaid.gov/pslf IDR Plans: https://studentaid.gov/idr PSLF Help Tool: https://studentaid.gov/pslf/