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Department clarifies PSLF qualifying‑payment dates and repayment‑plan rules, defers some operational questions
Summary
Department staff revised draft text for qualifying repayment plans and repayment‑plan switching rules, setting a June 30, 2028 cutoff for qualifying PSLF payments and proposing a tiered standard plan; Federal Student Aid will return operational answers on switching between wrap/IBR and backdating of payments.
Department staff reviewed several repayment‑plan provisions and sought pulse checks on draft regulatory text, saying some operational questions would require follow‑up from Federal Student Aid (FSA).
PSLF qualifying payment timeframe: Staff revised the draft §685.219 to treat plans that included a payment "received on or before June 30, 2028" as qualifying repayment plans for PSLF. FSA explained that payments received but processed later can be backdated if the lockbox or electronic process shows receipt on or…
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