Filling out the application is easy and takes only about five minutes. There is no need to log in or provide any documents.Whether you have made 120 qualifying payments, or not, you should fill out and submit the PSLF form annually or whenever you change employers. Use the Public Service Loan Forgiveness (PSLF) Help Tool to determine whether you're eligible for PSLF programs and guide you through the process. If you are eligible for Public Service Loan Forgiveness (see below), continue certifying your employment and verify that your payment counts are accurate. All borrowers, regardless of loan size, can use SBA's direct forgiveness portal. Applying for forgiveness using the portal can take as little as 15 minutes. Additionally, missed payments will not count toward loan forgiveness under any of the income-driven repayment plans or Public Service Loan Forgiveness. PSLF allows borrowers who work full time for nonprofits and government agencies to have their outstanding debt forgiven tax-free on Federal Direct Loans.