PSLF Progress Tracker
Track your progress toward Public Service Loan Forgiveness, which requires 120 qualifying monthly payments (typically 10 years) while working full-time for a qualifying employer under a qualifying repayment plan. This tracks the payment count only — check the official PSLF Help Tool at studentaid.gov or your loan servicer for your official qualifying payment count and employer certification status.
What the tracker counts
One input, three arithmetic lines, measured against the 120-payment target the programme is built around:
remaining = max(0, 120 - qualifying payments made)
progress = min(100, made / 120 x 100)
years = remaining / 12Sixty payments in, that is 60 to go, 50.0% complete and 5.0 years left. The caps matter if you overshoot: type 130 and it still reads 120 counted, 100%, nothing remaining.
| Payments counted | Progress | Years left |
|---|---|---|
| 12 | 10.0% | 9.0 |
| 60 | 50.0% | 5.0 |
| 90 | 75.0% | 2.5 |
| 108 | 90.0% | 1.0 |
A counter, not a calendar
The years-remaining line assumes every month from here counts. It is a conversion of the payments left, not a prediction: months that do not qualify are simply not added, so the finish stretches rather than the progress dropping. Type in the certified count from your servicer or the official PSLF Help Tool, which is often not the number of months you have been paying.
Frequently asked questions
How many payments are left after 60 qualifying payments?
Sixty, which is half way. If every month from now qualifies, that is five more years; if some do not, the finish line moves out by exactly the number of months that fail to count.
Do the 120 payments have to be consecutive?
This tracker only totals them, so a break in the run adds time without undoing progress in the arithmetic. Whether any particular month counts is a matter for the programme rules and your servicer's certification, not for this page.
Why does my servicer's count differ from the months I have paid?
Because paying is only part of it - certification, plan and loan type all feed into whether a month is credited. Use the official count here.