Federal loan forgiveness isn’t always available or appropriate, even if you work for a PSLF-qualified employer. If you have higher-rate private student loans, or you’ve estimated that your Income-Driven Repayment plan payments would pay back your debt by the time PSLF is available, refinancing to lower rates in the private marketplace may be a better alternative to pursuing PSLF. Compare options now without affecting your credit score using our tool here: