<div dir="ltr"><div class="gmail_default" style="font-family:verdana,sans-serif;font-size:small"><span id="m_560452106090397076gmail-docs-internal-guid-a925c5ff-7fff-cf14-5da7-6538c92de52c"><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;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:12pt;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:12pt;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, expanding eligibility for loan forgiveness for public service workers. The expansion is scheduled to end next week on </span><span style="font-size:12pt;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">October 31, 2022</span><span style="font-size:12pt;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 take the time now to see if you are eligible for this program and if so, apply right away.</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 12pt"><span style="font-size:12pt;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">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:12pt;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:12pt;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:12pt;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.       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" target="_blank"><span style="font-size:12pt;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:12pt;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:12pt;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.       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" target="_blank"><span style="font-size:12pt;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:12pt;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" target="_blank"><span style="font-size:12pt;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:12pt;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:12pt;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" target="_blank"><span style="font-size:12pt;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:12pt;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 learn more, search for a qualifying employer, and begin your application 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" target="_blank"><span style="font-size:12pt;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:12pt;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" target="_blank"><span style="font-size:12pt;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:12pt;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:12pt;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><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;padding:12pt 0pt"><span style="font-size:11pt;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">Do not delay. This benefit is available to public service workers like you and the program expansion ends on October 31, 2022.</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:11pt;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">Please note: Public Service Loan Forgiveness is a separate program from the newly launched Federal Student Loan Debt Relief program, where the Department of Education will provide up to $20,000 in debt cancellation to Pell Grant recipients and up to $10,000 to non-Pell Grant recipients with loans held by the Department of Education. For more information on that additional debt relief, visit</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><a href="http://studentaid.gov/debtrelief" style="text-decoration-line:none" target="_blank"><span style="font-size:11pt;font-family:Arial;background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;text-decoration-line:underline;vertical-align:baseline;white-space:pre-wrap">studentaid.gov/debtrelief</span></a></p></span><br></div><br clear="all"><div><div dir="ltr" data-smartmail="gmail_signature"><div dir="ltr"><p style="margin:0px;line-height:normal"><strong><font face="arial, sans-serif">HUMAN RESOURCE SERVICES</font></strong></p><div dir="ltr"><font size="2" face="arial, sans-serif">912 Kehoe Building</font></div><div dir="ltr"><span style="font-size:13px"><p style="color:rgb(0,0,0);font-size:12.8px;margin:0px;line-height:normal"><a href="https://maps.google.com/?q=101+Broad+Street+Plattsburgh,+NY+12901&entry=gmail&source=g" style="color:rgb(17,85,204);font-size:small" target="_blank"><font face="arial, sans-serif">101 Broad Street</font></a></p></span><div dir="ltr" style="font-size:12.8px"><font size="2"><font size="2"><p style="margin:0px;line-height:normal;font-size:12.8px"><span style="color:rgb(0,0,0)"><font size="2" face="arial, sans-serif"><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="margin:0px;line-height:normal;font-size:12.8px"><font size="2" face="arial, sans-serif">(o) <a href="tel:(518)%20564-5062" value="+15185645062" style="color:rgb(17,85,204)" target="_blank"><font color="#1155cc">518-564-5062</font></a></font></p><p style="margin:0px;line-height:normal;font-size:12.8px"><font size="2" face="arial, sans-serif">(f) <a href="tel:(518)%20564-5060" value="+15185645060" style="color:rgb(17,85,204)" target="_blank"><font color="#1155cc">518-564-5060</font></a></font></p><div style="font-family:"comic sans ms",sans-serif"><br style="color:rgb(34,34,34)"></div></font></font></div></div></div></div></div></div>