Hi Heather,

I qualify for PSLF & for the past 2 years have been making on time payments under IBR while working full time for a non-profit.  My direct loans are currently serviced through Sallie Mae. 

In order to qualify for PSLF do I have to switch from Sallie Mae to FedLoan Servicing (I have read horror stories about FLS)?  I contacted Sallie Mae and they said “no.”  I contacted FedLoan Servicing and they said it’s “better” to switch because they are the only service provider approved through the Department of Education to apply for PSLF.  Is this accurate?

Any feedback is greatly appreciated.

Thank you,
Emily