<div dir="ltr"><div class="gmail_default" style="font-family:georgia,serif"><span id="gmail-docs-internal-guid-d00f7782-7fff-5854-4bc6-a7ed767dd489"><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:10pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">SENT ON BEHALF OF THE NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;padding:12pt 0pt"><span style="font-size:10pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">This message outlines changes to the Public Service Loan Forgiveness (“PSLF”) program, to bring attention to a benefit for which you may be eligible. Full-time employees of New York State may have federal Direct loans forgiven after 10 years of qualifying loan payments and public service.</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 12pt"><span style="font-size:10pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">The U.S. Department of Education recently announced a limited waiver to the PSLF program that runs through October 31, 2022.  Ordinarily, payments on Federal Family Education Loans (“FFEL”), Perkins, or other non-Direct federal loans did not qualify towards the required 120 loan payments required for loan forgiveness under the PSLF program. However, under the temporary waiver program, your payments on non-Direct loans (e.g., FFEL loans) may count towards the 10 years of loan payments required for loan forgiveness. The waiver program will also count certain payments on non-Direct loans that were late, for less than the full amount due, or made in the wrong payment plan.</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 12pt"><span style="font-size:10pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">If you have FFEL, Perkins, or other non-Direct federal loans, you will need to consolidate them into a federal Direct Consolidation Loan to take advantage of the current limited PSLF waiver, and for loan forgiveness to be granted.</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 12pt"><span style="font-size:10pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">Borrowers with non-Direct federal loans need to take the following two affirmative steps prior to October 31, 2022 to take advantage of the Public Service Loan Forgiveness program waiver:</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 12pt"><span style="font-size:10pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">1.</span><span style="font-size:7pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">       </span><span style="font-size:10pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">Apply to consolidate your federal loans into a Direct Consolidation Loan </span><a href="https://studentaid.gov/app/launchConsolidation.action" style="text-decoration-line:none"><span style="font-size:10pt;font-family:Arial;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;text-decoration-line:underline;vertical-align:baseline;white-space:pre-wrap">here</span></a><span style="font-size:10pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap"> or by calling your student loan servicer.</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 12pt"><span style="font-size:10pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">2.</span><span style="font-size:7pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">       </span><span style="font-size:10pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">After your loans are consolidated, complete the PSLF form. You may use the </span><a href="https://studentaid.gov/pslf/" style="text-decoration-line:none"><span style="font-size:10pt;font-family:Arial;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;text-decoration-line:underline;vertical-align:baseline;white-space:pre-wrap">PSLF Help Tool </span></a><span style="font-size:10pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">to assist you in starting the PSLF form or access the form </span><a href="https://studentaid.gov/sites/default/files/public-service-application-for-forgiveness.pdf" style="text-decoration-line:none"><span style="font-size:10pt;font-family:Arial;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;text-decoration-line:underline;vertical-align:baseline;white-space:pre-wrap">here.</span></a><span style="font-size:10pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">   After filling out Sections I and 2, you will need to have your employer complete Section 3 and 4. The completed form must then be submitted to the address identified in Section 7 of the form.</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 12pt"><span style="font-size:10pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">It could take a few months to obtain a Direct Consolidated Loan once you have applied. Because you must consolidate your loans and submit the PSLF form prior to October 31, 2022 to benefit from the PSLF waiver program, we recommend you begin the process to consolidate your loans as soon as possible.</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 12pt"><span style="font-size:10pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">You may use the </span><a href="https://studentaid.gov/pslf/" style="text-decoration-line:none"><span style="font-size:10pt;font-family:Arial;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;text-decoration-line:underline;vertical-align:baseline;white-space:pre-wrap">PSLF Help Tool</span></a><span style="font-size:10pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap"> to search for a qualifying employer and learn what actions you need to take to be eligible for loan forgiveness. You may also contact your student loan servicer, visit </span><a href="https://www.dfs.ny.gov/consumers/student_protection" style="text-decoration-line:none"><span style="font-size:10pt;font-family:Arial;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;text-decoration-line:underline;vertical-align:baseline;white-space:pre-wrap">DFS’s Website</span></a><span style="font-size:10pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap"> or the </span><a href="https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service" style="text-decoration-line:none"><span style="font-size:10pt;font-family:Arial;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;text-decoration-line:underline;vertical-align:baseline;white-space:pre-wrap">U.S. Department of Education’s website</span></a><span style="font-size:10pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap"> for more information about the recent changes to the PSLF program. </span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:10pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">Please use the links above to find answers to any and all questions you may have.  Human Resource Services will complete Section 3 and 4 of the PSLF form, but are unable to answer any questions regarding the Public Service Loan Forgiveness Program.</span></p></span><br class="gmail-Apple-interchange-newline"></div><br clear="all"><div><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><b>HUMAN RESOURCE SERVICES</b></div><div dir="ltr"><font size="2" style="font-size:small">912 Kehoe Building</font><p style="margin:0px;line-height:normal;font-family:Arial"><span style="color:rgb(0,0,0)"><font size="2"><a href="https://maps.google.com/?q=101+Broad+Street+Plattsburgh,+NY+12901&entry=gmail&source=g" style="color:rgb(17,85,204)" target="_blank">101 Broad Street</a></font></span></p><p style="margin:0px;line-height:normal;font-family:Arial"><span style="color:rgb(0,0,0)"><font size="2"><a href="https://maps.google.com/?q=101+Broad+Street+Plattsburgh,+NY+12901&entry=gmail&source=g" style="color:rgb(17,85,204)" target="_blank">Plattsburgh, NY 12901</a></font></span></p><p style="color:rgb(0,0,0);margin:0px;line-height:normal;font-family:Arial"><font size="2">(o) 518-564-5062</font></p><p style="color:rgb(0,0,0);margin:0px;line-height:normal;font-family:Arial"><font size="2">(f) 518-564-5060</font></p><p style="color:rgb(0,0,0);margin:0px;line-height:normal;font-family:Arial"><b><font size="2"><a href="http://plattsburgh.edu" style="color:rgb(17,85,204)" target="_blank">plattsburgh.edu</a></font></b></p><p style="color:rgb(0,0,0);margin:0px;line-height:normal;font-family:Arial"><b><br></b></p><p style="color:rgb(0,0,0);margin:0px;line-height:normal;font-family:Arial"><img src="https://web.plattsburgh.edu/files/914/images/SUNY-Plattsburgh-Email-Logo-2018.jpg"><br></p><p style="color:rgb(0,0,0);margin:0px;line-height:normal;font-family:Arial"><br></p><div><br></div><div><b style="color:rgb(0,0,0);font-family:Arial"><font size="2"><a href="http://plattsburgh.edu/hr" style="color:rgb(17,85,204)" target="_blank">Human Resource Services webpage - plattsburgh.edu/hr</a></font></b><br></div></div></div></div></div></div></div></div></div></div>