{"id":11788,"date":"2022-08-30T00:29:42","date_gmt":"2022-08-30T05:29:42","guid":{"rendered":"https:\/\/www.fitbux.com\/articles\/?p=11788"},"modified":"2023-12-21T21:21:57","modified_gmt":"2023-12-22T03:21:57","slug":"public-service-loan-forgiveness-calculator","status":"publish","type":"post","link":"https:\/\/www.fitbux.com\/articles\/public-service-loan-forgiveness-calculator\/","title":{"rendered":"Public Service Loan Forgiveness (PSLF) Calculator"},"content":{"rendered":"<p>Our public service loan forgiveness calculator (PSLF) does the following:<a class=\"testpopup\" href=\"https:\/\/www.youtube.com\/embed\/BPMXyag_gos?rel=0&amp;autoplay=1&amp;modestbranding=1&amp;start=1\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-951 alignright\" src=\"https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2019\/06\/Public-Service-Loan-Forgiveness-Calculator-Icon.png\" alt=\"Public service loan frogiveness calculator video\" width=\"306\" height=\"229\" \/><\/a><\/p>\n<ol>\n<li>It helps you determine how much you\u2019d save by going on PSLF relative to paying off your loans in 10 years. In short, what is the \u201cbenefit\u201d of PSLF in your specific situation?<\/li>\n<li>Our public service loan forgiveness calculator also helps you come up with a game plan in case you do not get your loans forgiven in 10 years.\u00a0 This happens a lot because many people stop working at a non-profit within 2 \u2013 4 years.<\/li>\n<\/ol>\n<h2>Public Service Loan Forgiveness Calculator Table Of Contents<\/h2>\n<ul>\n<li><a href=\"#step1\">Step 1: Build Your Profile<\/a><\/li>\n<li><a href=\"#step2\">Step 2: Enter Your Loan Details<\/a><\/li>\n<li><a href=\"#step3\">Step 3: Access The PSLF Calculator<\/a><\/li>\n<li><a href=\"#step4\">Step 4: Entering Assumptions<\/a><\/li>\n<li><a href=\"#step5\">Step 5: Comparing PSLF To The 10 Year Loan<\/a><\/li>\n<li><a href=\"#step6\">Step 6: Your Estimated Maximum Benefit<\/a><\/li>\n<li><a href=\"#minrisk\">Minimizing Your Risk<\/a><\/li>\n<li><a href=\"#implement\">Implementing Your PSLF Plan<\/a><\/li>\n<\/ul>\n<p><a name=\"step1\"><\/a><\/p>\n<h2>Step 1: Build Your Profile<\/h2>\n<p>To use our PSLF calculator, simply sign-up for our FREE FitBUX Membership. To do so you can use this link: <a href=\"https:\/\/my.fitbux.com\/register\" target=\"_blank\">Become A FitBUX Member<\/a>.\u00a0 You become a Member because our tools and calculators are customized to your situation.\u00a0 Also, Members have the ability to schedule a free call with one of our <a href=\"https:\/\/www.fitbux.com\/student-loan-planner\/\">expert student loan planners<\/a>.<\/p>\n<p>The profile should only take 3 \u2013 5 minutes to create. The more details you include the more accurate our tools will be.<\/p>\n<p style=\"text-align: center;\"><a class=\"button medium\" href=\"https:\/\/my.fitbux.com\/signup.php?IDRCalcArticle\" target=\"_blank\">BUILD MY FREE PROFILE<\/a><\/p>\n<p><a name=\"step2\"><\/a><\/p>\n<h2>Step 2: Enter Your Student Loan Details<\/h2>\n<p>This is extremely important because each loan you have has a different interest rate. Therefore, the interest charge varies for each loan.<\/p>\n<p>The results will be different in the public service loan forgiveness calculator if put all you loan details into your profile relative to if you use one large estimate of the loan balance and interest rate.<\/p>\n<p>After you build your profile you will be taken to your FitBUX dashboard. Take the following steps to enter your loan details:<\/p>\n<ul>\n<li>Click \u201cNet Wealth\u201d on the left-hand menu.<\/li>\n<li>Then select \u201cDebt.\u201d<\/li>\n<li>Click the pencil icon next to next to \u201cMy Federal Loans\u201d<\/li>\n<li>Enter your first loan. Then click \u201cAdd Federal Student Loan\u201d. Repeat until all your loans are included.<\/li>\n<li>Click the \u201cSave\u201d button. Your loans are now stored in your FitBUX Profile and will be used by our calculators.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-11745 aligncenter\" src=\"https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2019\/05\/Income-Driven-Repayment-Calculator-Loan-Details.png\" alt=\"\" width=\"585\" height=\"320\" srcset=\"https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2019\/05\/Income-Driven-Repayment-Calculator-Loan-Details.png 975w, https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2019\/05\/Income-Driven-Repayment-Calculator-Loan-Details-300x164.png 300w, https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2019\/05\/Income-Driven-Repayment-Calculator-Loan-Details-768x420.png 768w\" sizes=\"auto, (max-width: 585px) 100vw, 585px\" \/><a name=\"step3\"><\/a><\/p>\n<h2>Step 3: Access The PSLF Calculator<\/h2>\n<p>On the left hand side of your profile, click the link that says \u201cTools.\u201d\u00a0 Then select the tool titled \u201cShould I Consider An Income-Driven Repayment Plan?\u201d<br \/>\n<a name=\"step4\"><\/a><\/p>\n<h2>Step 4: Entering Assumptions<\/h2>\n<p>Once you enter the tool, you\u2019ll be asked to set a couple of assumptions. These assumptions are extremely important as they will significantly impact the results and associated recommendations. The assumptions cover your household size, your AGI and lastly, your long-term annual rate of increase in income.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-11751\" src=\"https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2019\/05\/Income-Driven-Repayment-Calculator-Assumptions-e1558802916524.png\" alt=\"\" width=\"638\" height=\"302\" srcset=\"https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2019\/05\/Income-Driven-Repayment-Calculator-Assumptions-e1558802916524.png 941w, https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2019\/05\/Income-Driven-Repayment-Calculator-Assumptions-e1558802916524-300x142.png 300w, https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2019\/05\/Income-Driven-Repayment-Calculator-Assumptions-e1558802916524-768x364.png 768w\" sizes=\"auto, (max-width: 638px) 100vw, 638px\" \/><\/p>\n<p><strong>Household size<\/strong>: Your household size includes you, your spouse, and children.<\/p>\n<p>For the question, \u201cWhat is <strong>your annual gross income\/AGI<\/strong>?\u201d you can use one of two numbers:<\/p>\n<ul>\n<li>Gross income: This is how much money you make before deductions. You would want to use this figure in the calculator if you are trying to keep it simple and deciding if you\u2019d like to pursue loan forgiveness or do a pay-off strategy instead.<\/li>\n<li>Adjusted Gross Income (AGI): Using AGI will result in a more accurate estimation. The reason being is the government actually uses your AGI in the calculations for your monthly payment, not your gross income. AGI is also called \u201c<a href=\"https:\/\/www.fitbux.com\/articles\/discretionary-income-student-loans\/\">Discretionary Income<\/a>\u201d.<\/li>\n<\/ul>\n<p>For your <strong>expected long-term annual rate of increase in income<\/strong>, we default to 5% since Federal government\u2019s calculator uses this value. However, we believe that 5% is a very aggressive assumption for most non-profit jobs.\u00a0\u00a0 We recommend reducing the rate of increase assumption and choosing a range between 2% &#8211; 3%.<\/p>\n<p>The last question on this screen is where you select that you are <strong>pursuing PSLF<\/strong>.<\/p>\n<p>After imputing these assumptions, click the \u201cNext\u201d button and proceed to the loan details screen. There you can either confirm your loans are correct (i.e. you\u2019ve already entered them into your profile) or you can enter each individual loan if you haven\u2019t already done so.<\/p>\n<p>After you enter\/confirm your loan details, scroll to the bottom of the public service loan forgiveness calculator and click the Continue button.<br \/>\n<a name=\"step5\"><\/a><\/p>\n<h2>Step 5: Comparing PSLF To The 10 Year Loan<\/h2>\n<p>The next screen will show you the various <a href=\"https:\/\/www.fitbux.com\/articles\/income-based-repayment\/\">income driven repayment plans<\/a> and an estimation of cost over 10 years.<\/p>\n<p>To compare how much you save relative to paying off your loans in 10 years, scroll to the bottom of this screen.<\/p>\n<p>Our public service loan forgiveness calculator allows you to incorporate this into your analysis.\u00a0 The expected rate of return question allows you to customize the rate of return. If you are unsure of what rate to put their, we recommend the risk free rate of return which currently is about 3.0%<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-11791\" src=\"https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2019\/05\/public-service-loan-forgiveness-calculator-comparison-assumptions.png\" alt=\"public service loan forgiveness calculator comparison assumptions\" width=\"676\" height=\"274\" srcset=\"https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2019\/05\/public-service-loan-forgiveness-calculator-comparison-assumptions.png 943w, https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2019\/05\/public-service-loan-forgiveness-calculator-comparison-assumptions-300x122.png 300w, https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2019\/05\/public-service-loan-forgiveness-calculator-comparison-assumptions-768x312.png 768w\" sizes=\"auto, (max-width: 676px) 100vw, 676px\" \/><br \/>\n<a name=\"step6\"><\/a><\/p>\n<h2>Step 6: Your Estimated Maximum Benefit<\/h2>\n<p>On the top of the next screen, you\u2019ll see two columns. On the left side is how much money you\u2019d have after 10 years on the standard 10 year loan.\u00a0 The right side illustrates how much money you\u2019d have if you used <a href=\"https:\/\/www.fitbux.com\/articles\/pslf-buyback\/\"  data-wpil-monitor-id=\"36\">PSLF<\/a> and saved the money you weren\u2019t paying on the standard 10 year loan.<\/p>\n<p>The difference between these two is the maximum benefit of PSLF.<\/p>\n<p>From there you can scroll down and see the results on a chart so its easy to compare the two strategies side-by-side.<br \/>\n<a name=\"minrisk\"><\/a><\/p>\n<h2>Minimizing Your Risk<\/h2>\n<p>We\u2019ve helped new grads manage and eliminate over $1.4 billion in student loans. The number one risk we see for those pursuing PSLF is not getting the loans forgiven.<\/p>\n<p>However, it\u2019s not because of the government.\u00a0 It\u2019s because they leave the non-profit to work at a for profit company within 2 \u2013 4 years.<\/p>\n<p>If this is the case you are on an income driven repayment plan.\u00a0 Therefore, you still qualify for forgiveness but it will happen in 20 or 25 years and now you <a href=\"https:\/\/www.fitbux.com\/articles\/income-driven-repayment\/\">have to pay the IDR tax.<\/a><\/p>\n<p>Therefore, to minimize the risk of PSLF, you have to assume you will not get your loans forgiven in 10 years.\u00a0 Another way of thinking about it is that you must save for the tax as if PSLF doesn\u2019t exists.<\/p>\n<p>Then if you leave the non-profit, you should already be on pace to save for the tax or you\u2019ll have the ability to switch strategies to a pay off strategy if you choose to do so.<\/p>\n<p>If you do qualify for PSLF in 10 years then great. You don\u2019t have to pay the tax anymore, you have a large sum of money you\u2019ve saved, and you no longer have student loans.<\/p>\n<p>To figure out what you need to save to minimize the risk, you can use the same calculator.\u00a0 However, you\u2019ll want to use it assuming no public service loan forgiveness.\u00a0 We detail how to do that in our <a href=\"https:\/\/www.fitbux.com\/articles\/income-driven-repayment-calculator\/\">income driven repayment calculator<\/a>.<a name=\"implement\"><\/a><\/p>\n<h2>Implementing Your PSLF Plan<\/h2>\n<p>As I mentioned above, the key to public service loan forgiveness is maximizing the benefit while reducing the risk.\u00a0 It goes to the saying I constantly preach in our financial course, manage your risk and your return will be there.<\/p>\n<p>With that in mind, we highly encourage you to <a href=\"https:\/\/www.fitbux.com\/articles\/idr-tax-bomb\/\">save for the IDR tax<\/a> liability as though PSLF doesn\u2019t exists.\u00a0 You can stay the course by upgrading to <a href=\"https:\/\/www.fitbux.com\/pricing\/\">FitBUX&#8217;s premium membership.<\/a><\/p>\n<p>The premium membership calculates a recommended minimum amount to save each month.\u00a0 It will also notify you if you are not saving enough.<\/p>\n<p>Most importantly, when you income changes, if your family status changes, and if tax rates change, then you\u2019ll estimated tax owed will change. Therefore, you can update this information in real-time using are IDR Tax Savings Solution.<\/p>\n<p><em>By Joseph Reinke, <a href=\"https:\/\/www.cfainstitute.org\" target=\"_blank\">CFA<\/a>, Founder of <a href=\"https:\/\/www.fitbux.com\">FitBUX<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Our public service loan forgiveness calculator (PSLF) does the following: It helps you determine how much you\u2019d save by going on PSLF relative to paying off your loans in 10 years. In short, what is the \u201cbenefit\u201d of PSLF in your specific situation? Our public service loan forgiveness calculator also helps you come up with [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":11793,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[185],"tags":[1914,160,48,324,706,50,319,101,111,145],"class_list":["post-11788","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-student-loan-forgiveness","tag-calculator","tag-fitbux-student-loan-help","tag-ibr","tag-idr","tag-income-driven-repayment","tag-paye","tag-pslf","tag-public-service-loan-forgiveness","tag-repaye","tag-student-loan-forgiveness","post-wrapper","thrv_wrapper"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Public Service Loan Forgiveness (PSLF) Calculator - FitBUX Articles<\/title>\n<meta name=\"description\" content=\"Our public service loan forgiveness (PSLF) calculator will help you decide to pursue PSLF or not. 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