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<title>Public Service Loan Forgiveness Demystified</title>
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<p class="MsoNormal">In October 2021, I took an afternoon off work and connected with my previous employers HR departments to get the verification forms signed and sent in. It was tedious and took way more time than I wanted it to. Nine months later, I can
say that it was worth it, as my remaining undergraduate student loan balances were wiped clean last month. As the deadline approaches, I’m amplifying this message.
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">You must act before the Temporary Waiver for Public Service Loan Forgiveness
<b>expires on October 31, 2022</b>.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Start here: <a href="https://studentaid.gov/pslf/">Public Service Loan Forgiveness (PSLF) Help Tool | Federal Student Aid</a><o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><b><i>Even if you will not have made 120 payments by October 31, 2022</i></b>, you may receive credit for past payments that would not otherwise qualify for PSLF. But only if you act before October 31.
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">The webinar recording linked below and the attached slide deck are from April 2022, and full of relevant information from the Consumer Financial Protection Bureau. <o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">With all the uncertainty around potential executive action for loan forgiveness, please consider taking this step as well. It’s worth your time!
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom:5.0pt">Take care, <span style="color:black">
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:5.0pt"><span style="color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:5.0pt"><span style="color:black">Wendy <o:p>
</o:p></span></p>
<p class="MsoNormal" style="margin-bottom:5.0pt"><b><span style="font-size:14.0pt;font-family:"Century Gothic",sans-serif;color:black"><o:p> </o:p></span></b></p>
<p class="MsoNormal" style="margin-bottom:5.0pt"><b><span style="font-size:14.0pt;font-family:"Century Gothic",sans-serif;color:black">Wendy Cornelisen (she, her, hers)<o:p></o:p></span></b></p>
<p class="MsoNormal" style="line-height:115%">State Librarian<o:p></o:p></p>
<p class="MsoNormal" style="line-height:115%">State Library of Oregon<o:p></o:p></p>
<p class="MsoNormal" style="line-height:115%"><a href="mailto:wendy.cornelisen@slo.oregon.gov"><span style="color:#0563C1">wendy.cornelisen@slo.oregon.gov</span></a>
<o:p></o:p></p>
<p class="MsoNormal" style="line-height:115%">Office: 503-378-4367| Mobile 971-375-3992<br>
<a href="http://www.oregon.gov/library"><span style="color:#0563C1">www.oregon.gov/library</span></a><u><span style="color:#0563C1"><o:p></o:p></span></u></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<div>
<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b>From:</b> HANNING Darci C * SLO <Darci.HANNING@slo.oregon.gov>
<br>
<b>Sent:</b> Wednesday, April 20, 2022 8:33 AM<br>
<b>To:</b> SLO_All State Library <slo_allstatelibrary@slo.oregon.gov><br>
<b>Subject:</b> RE: April Webinar: Public Service Loan Forgiveness Demystified<o:p></o:p></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">Hello everyone,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">The recording from yesterday’s session, “Public Service Loan Forgiveness Demystified” is now available. When you click on the link, enter the password below to watch the recording (if you copy/paste
the password make sure you don’t inadvertently include a trailing “space”).<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">Recording link:
<a href="https://cfpbgov.webex.com/cfpbgov/ldr.php?RCID=0a7c82331bffd021f65fbd797ae6a369">
https://cfpbgov.webex.com/cfpbgov/ldr.php?RCID=0a7c82331bffd021f65fbd797ae6a369</a>
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">Password: pPMd6hVKnpP?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">The PDF of the slide deck used in the webinar is also attached. See below for the original announcement.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">Cheers,<o:p></o:p></span></p>
<div>
<p class="MsoNormal"><b><span style="font-size:14.0pt">Darci Hanning, MLIS (she/her/hers)<o:p></o:p></span></b></p>
<p class="MsoNormal">Public Library Consultant / CE Coordinator<o:p></o:p></p>
<p class="MsoNormal" style="line-height:115%">State Library of Oregon <b>|</b> Library Support and Development Services
<o:p></o:p></p>
<p class="MsoNormal" style="line-height:115%">971-375-3491 <b>|</b> <a href="mailto:darci.hanning@slo.oregon.gov">
<span style="color:#0563C1">darci.hanning@slo.oregon.gov</span></a> <b>|</b> <a href="http://www.oregon.gov/library">
<span style="color:#0563C1">www.oregon.gov/library</span></a> <u><span style="color:#0563C1"><o:p></o:p></span></u></p>
<p class="MsoNormal">Follow @StateLibraryOR: <a href="http://fb.me/StateLibraryOR">
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<p class="MsoNormal"><b>Continuing Education Resources: </b><a href="https://libguides.osl.state.or.us/conted"><span style="color:#0563C1">https://libguides.osl.state.or.us/conted</span></a><span style="font-size:8.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:8.0pt"><br>
</span><img border="0" width="342" height="43" style="width:3.5625in;height:.4479in" id="Picture_x0020_3" src="cid:image001.png@01D85490.A9A4E710"><o:p></o:p></p>
</div>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<div>
<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b>From:</b> HANNING Darci C * SLO <<a href="mailto:Darci.HANNING@slo.oregon.gov">Darci.HANNING@slo.oregon.gov</a>>
<br>
<b>Sent:</b> Tuesday, March 29, 2022 9:04 AM<br>
<b>To:</b> SLO_All State Library <<a href="mailto:slo_allstatelibrary@slo.oregon.gov">slo_allstatelibrary@slo.oregon.gov</a>><br>
<b>Subject:</b> April Webinar: Public Service Loan Forgiveness Demystified<o:p></o:p></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">Hello everyone,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">Here is the latest webinar announcement on information about the Public Service Loan Forgiveness program. This session is being hosted by the Consumer Financial Protection Bureau (CFPB) in partnership
with ALA and the RUSA Financial Literacy Interest Group.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial",sans-serif">Join Consumer Financial Protection Bureau (CFPB) for a webinar designed to help you understand the steps to qualify and apply for Public Service Loan Forgiveness. We
will help you understand the PLSF requirements, including these temporary changes, and give you practical tips to help you navigate the process.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><b><span style="font-family:"Arial",sans-serif">Webinar details: Date: </span></b><span style="font-family:"Arial",sans-serif">Tuesday, April 19<sup>th</sup>
<b>Time:</b> 12 - 1 p.m., PT <b>Register link:</b><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial",sans-serif"><a href="https://cfpbgov.webex.com/cfpbgov/j.php?RGID=ra5f8f1100f1039dce7f62734d6265824">https://cfpbgov.webex.com/cfpbgov/j.php?RGID=ra5f8f1100f1039dce7f62734d6265824</a></span><span class="MsoHyperlink"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><b><span style="font-family:"Arial",sans-serif">Speakers include:</span></b><span style="font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:1.0in;text-indent:-.25in;mso-list:l0 level1 lfo2">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-family:"Arial",sans-serif">Welcome – Michael Dowling</span></b><span style="font-family:"Arial",sans-serif">, Director, Chapter Relations Office, American Library Association<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:1.0in;text-indent:-.25in;mso-list:l0 level1 lfo2">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-family:"Arial",sans-serif">Welcome – Emily Mross</span></b><span style="font-family:"Arial",sans-serif">, Chair, RUSA Financial Literacy Interest Group<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:1.0in;text-indent:-.25in;mso-list:l0 level1 lfo2">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-family:"Arial",sans-serif">Public Sector Loan Forgiveness Program – Kristen Evans</span></b><span style="font-family:"Arial",sans-serif">, Section Chief, Students and Young Consumers<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:1.0in;text-indent:-.25in;mso-list:l0 level1 lfo2">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-family:"Arial",sans-serif">CFPB Resources on Paying for College – Kristen Evans</span></b><span style="font-family:"Arial",sans-serif">, Section Chief, Students and Young Consumers<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:1.0in;text-indent:-.25in;mso-list:l0 level1 lfo2">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-family:"Arial",sans-serif">Conclusion and Moderator – Ken McDonnell,
</span></b><span style="font-family:"Arial",sans-serif">Financial Education Program Analyst, Section for Financial Education<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><b><span style="font-family:"Arial",sans-serif">Additional resources:</span></b><span style="font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial",sans-serif">The CFPB has online resources to help you understand the changes and how to apply and qualify for the PSLF program.
<a href="https://www.consumerfinance.gov/about-us/blog/dont-let-sloppy-servicing-keep-you-from-benefitting-under-pslf-fix-before-it-expires-october-31-2022/">
We published a blog</a> that talks about the PSLF program and gives insight to the consumer’s perspective. <o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial",sans-serif">Lastly, we provide answers to common questions in the
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Public Service employees</a> and <a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Flnks.gd%2Fl%2FeyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDYsInVyaSI6ImJwMjpjbGljayIsImJ1bGxldGluX2lkIjoiMjAyMjAzMjQuNTU0MDg1MjEiLCJ1cmwiOiJodHRwczovL3d3dy5jb25zdW1lcmZpbmFuY2UuZ292L2RvY3VtZW50cy80ODY0L2NmcGJfZ3VpZGUtZm9yLWZpcnN0LXJlc3BvbmRlcnMtd2l0aC1zdHVkZW50LWRlYnQucGRmIn0.MTWlkxbsgOuW5MO76wpC8BREvYkNfkIvpQRYwQXlPVE%2Fs%2F738466026%2Fbr%2F128614114898-l&data=04%7C01%7CKenneth.McDonnell%40cfpb.gov%7C2b394800c3bf493bb0f008da0dc104dd%7Cc817bf69ef414ed6ac5f1f44da3798c0%7C0%7C0%7C637837420043865587%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=tzOjijYbMb0L1StXked9aGqhJJ2Zy1bb%2FxWNgLXAKFc%3D&reserved=0">
First Responders</a>. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">Cheers,<o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:14.0pt">Darci Hanning, MLIS (she/her/hers)<o:p></o:p></span></b></p>
<p class="MsoNormal">Public Library Consultant / CE Coordinator<o:p></o:p></p>
<p class="MsoNormal" style="line-height:115%">State Library of Oregon <b>|</b> Library Support and Development Services
<o:p></o:p></p>
<p class="MsoNormal" style="line-height:115%">971-375-3491 <b>|</b> <a href="mailto:darci.hanning@slo.oregon.gov">
<span style="color:#0563C1">darci.hanning@slo.oregon.gov</span></a> <b>|</b> <a href="http://www.oregon.gov/library">
<span style="color:#0563C1">www.oregon.gov/library</span></a> <u><span style="color:#0563C1"><o:p></o:p></span></u></p>
<p class="MsoNormal">Follow @StateLibraryOR: <a href="http://fb.me/StateLibraryOR">
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<p class="MsoNormal"><b>Continuing Education Resources: </b><a href="https://libguides.osl.state.or.us/conted"><span style="color:#0563C1">https://libguides.osl.state.or.us/conted</span></a><span style="font-size:8.0pt"><o:p></o:p></span></p>
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