<div dir="ltr"><div class="gmail_default" style="font-family:georgia,serif"><p dir="ltr" style="color:rgb(85,85,85);font-size:15px;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="color:rgb(85,85,85);font-size:15px;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"><br></span></p><p dir="ltr" style="color:rgb(85,85,85);font-size:15px;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"><i>DO NOT DELAY - THIS PROGRAM EXPANSION ENDS ON OCTOBER 31, 2022</i></span></p><p dir="ltr" style="color:rgb(85,85,85);font-size:15px;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 <span class="gmail-il">Public</span> <span class="gmail-il">Service</span> <span class="gmail-il">Loan</span> <span class="gmail-il">Forgiveness</span> (“<span class="gmail-il">PSLF</span>”) 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 <span class="gmail-il">loan</span> payments and <span class="gmail-il">public</span> <span class="gmail-il">service</span>.</span></p><p dir="ltr" style="color:rgb(85,85,85);font-size:15px;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 <span class="gmail-il">PSLF</span> 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 <span class="gmail-il">loan</span> payments required for <span class="gmail-il">loan</span> <span class="gmail-il">forgiveness</span> under the <span class="gmail-il">PSLF</span> program. However, under the temporary waiver program, your payments on non-Direct loans (e.g., FFEL loans) may count towards the 10 years of <span class="gmail-il">loan</span> payments required for <span class="gmail-il">loan</span> <span class="gmail-il">forgiveness</span>. 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="color:rgb(85,85,85);font-size:15px;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 <span class="gmail-il">Loan</span> to take advantage of the current limited <span class="gmail-il">PSLF</span> waiver, and for <span class="gmail-il">loan</span> <span class="gmail-il">forgiveness</span> to be granted.</span></p><p dir="ltr" style="color:rgb(85,85,85);font-size:15px;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 <span class="gmail-il">Public</span> <span class="gmail-il">Service</span> <span class="gmail-il">Loan</span> <span class="gmail-il">Forgiveness</span> program waiver:</span></p><p dir="ltr" style="color:rgb(85,85,85);font-size:15px;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 <span class="gmail-il">Loan</span> </span><a href="https://studentaid.gov/app/launchConsolidation.action" target="_blank" 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 <span class="gmail-il">loan</span> servicer.</span></p><p dir="ltr" style="color:rgb(85,85,85);font-size:15px;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 <span class="gmail-il">PSLF</span> form. You may use the </span><a href="https://studentaid.gov/pslf/" target="_blank" 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"><span class="gmail-il">PSLF</span> 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 <span class="gmail-il">PSLF</span> form or access the form </span><a href="https://studentaid.gov/sites/default/files/public-service-application-for-forgiveness.pdf" target="_blank" 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="color:rgb(85,85,85);font-size:15px;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 <span class="gmail-il">Loan</span> once you have applied. Because you must consolidate your loans and submit the <span class="gmail-il">PSLF</span> form prior to October 31, 2022 to benefit from the <span class="gmail-il">PSLF</span> waiver program, we recommend you begin the process to consolidate your loans as soon as possible.</span></p><p dir="ltr" style="color:rgb(85,85,85);font-size:15px;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/" target="_blank" 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"><span class="gmail-il">PSLF</span> 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 <span class="gmail-il">loan</span> <span class="gmail-il">forgiveness</span>. You may also contact your student <span class="gmail-il">loan</span> servicer, visit </span><a href="https://www.dfs.ny.gov/consumers/student_protection" target="_blank" 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" target="_blank" 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 <span class="gmail-il">PSLF</span> program. </span></p><p dir="ltr" style="color:rgb(85,85,85);font-size:15px;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 <span class="gmail-il">PSLF</span> form, but are unable to answer any questions regarding the <span class="gmail-il">Public</span> <span class="gmail-il">Service</span> <span class="gmail-il">Loan</span> <span class="gmail-il">Forgiveness</span> Program.</span></p><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>