When it comes to careers that qualify for Public Service Loan Forgiveness (PSLF), most people think of members of the police force, military servicemembers, and social workers. But those positions aren’t the only public service jobs eligible for loan forgiveness.
Dottie Graham found that out herself after accepting a position in a call center. After learning that her time there counted toward PSLF, she said, “It was a big surprise to me. I had no idea that kind of work qualified.”
In fact, many different career paths count toward the program. If you plan on entering public service, you can find a wide range of jobs that qualify for loan forgiveness.
Qualifying for loan forgiveness
Through PSLF, the government will forgive the balance of your federal student loans after you make 10 years of making qualifying payments while working full time for a nonprofit organization or government agency. Qualifying payments include payments you make under an income-driven repayment plan, making your loans more affordable on a nonprofit salary.
Because she struggled to find a job in her field, Graham ended up working full time as a call center representative for the Military Order of the Purple Heart, a nonprofit organization.
“My job was to call people in the area to schedule donation pickups of things like clothes and toys,” she said.
While she sometimes found the work tedious, the job paid the bills and covered her monthly student loan payments. After two years, she was finally able to secure a job with another nonprofit organization in her chosen field of accounting. However, she still worried about paying off her $30,000 loan balance.
Graham researched loan forgiveness programs. She found out that her work as a call center representative counted toward PSLF because her employer was a nonprofit organization. Because the government would include that work, she was two years closer to eliminating her loans than she thought.
“[Finding out my work in the call center counted] was huge,” said Graham. “I was so relieved to find out I just had eight years left before my loans would be gone.
As Graham discovered, many roles qualify for PSLF beyond direct service positions like social workers or firemen.
PSLF does not require you to work directly with people in need. You can work in a traditional office setting like any other business. Accountants, graphic designers, and administrative assistants can all qualify for PSLF, as long as they work for a nonprofit.
5 unusual Public Service Loan Forgiveness jobs
PSLF doesn’t limit your career choices. You can qualify for PSLF even if you end up in a field completely different from what you studied.
Here are five unconventional jobs that could be eligible for PSLF:
1. Call center representative
Like Graham, you could work as a call center representative and qualify for PSLF. Many nonprofit organizations operate hotlines, such as 2-1-1, to help people in their service area find resources and information.
Some organizations even use their call centers to fundraise. Workers might call people at home to request donations of either money or gently used items.
According to the Bureau of Labor Statistics (BLS), the median hourly wage for a person working in a telephone call center is $13.53.
Depending on the role, you might need specialized training beyond a bachelor’s degree. For example, if you will be working for a suicide or domestic violence hotline, you will be trained on how to handle specific scenarios.
If you hate the idea of working in an office, you might enjoy working as a groundskeeper or landscaper for nonprofit organizations or government agencies.
Local museums, universities, organizations, and government centers often have grass, plants, and even gardens on their grounds. As a groundskeeper, you’re responsible for keeping the grounds looking presentable by cutting the grass, weeding, replacing dying plants, and trimming back hedges.
There’s high demand for grounds maintenance workers. The BLS estimates the field will grow by 10 percent by 2026. As of 2016, the median pay for a maintenance worker is $12.90 per hour.
As you build experience, you can use your degree and skills to become a landscape designer or landscape architect, boosting your earning potential.
3. Animal shelter caretaker
Many animal lovers dream of spending their working days loving on cats, dogs, and other creatures, but might worry about low wages and issues paying off their student loan debt. However, your passion for animals can allow you to take on a meaningful job while qualifying for PSLF.
Many rescues and animal shelters are nonprofit organizations. In your role, you could clean kennels, walk dogs, meet with prospective adopters, and screen applications. If you work there full time and keep up with your minimum payments, your time there will count toward your 10 years of public service.
Although a bachelor’s degree is more than enough to enter the field and progress in your career, animal caretakers are some of the lowest-paid workers on this list, with a median wage of $10.69 per hour.
Geoscientists study the physical attributes of our planet to help predict future behaviors and changes. It’s a job that never has a typical day; you often split your time between office work and outdoor projects, and you might have to drop everything to head to a crisis location.
Although some geoscientists work for private, for-profit companies, many others work for government offices, universities, or research hubs.
Jay Wellick, a research geophysicist, studies volcanic activity at the Cascades Volcano Observatory. In an interview published by the BLS, Wellick explained what his job entails:
“What I do depends on the time of year, but it boils down to three main duties: researching, crisis response, and training with foreign counterparts,” he said in the interview. “I look at fundamental questions, such as why volcanoes erupt and what signals might forecast an eruption.”
Geoscience is one of the highest-paying jobs on this list. The median pay is $89,780 per year. However, you will likely need a master’s degree as you progress in your career, which can add to your education costs and student loan balance.
If you are fluent in a second or third language, you can make a living and qualify for PSLF by working as a professional translator or interpreter.
You could use your skills to serve in different areas, including:
- Courtrooms: Both civil and criminal courts hire translators to translate testimonies and complaints.
- Hospitals: When there is a medical problem or emergency, time is of the essence. Language barriers can be a huge issue. Many hospitals hire medical interpreters to be the go-between for doctors, patients, and their families.
- Direct service organizations: Social workers and case managers work directly with children and families to help them find food, shelter, medical care, and more. However, in some families, there is no English-speaking person or only the child speaks English. In those cases, nonprofit organizations use translators to facilitate the conversation.
The BLS reports that translators earn a median salary of $46,120 per year.
Planning a career in public service
When looking for public service jobs, it’s important to keep your options open. Many unconventional jobs qualify for loan forgiveness, so you can pursue your passions while still eliminating your loans with PSLF.
If you’ve decided to pursue PSLF and need to enroll in an IDR plan, we can help you through the process for free.
Interested in refinancing student loans?Here are the top 6 lenders of 2018!
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1 Important Disclosures for Earnest.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 5.87% APR (with Auto Pay). Variable rate loan rates range from 2.47% APR (with Auto Pay) to 5.87% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of Month/Day/Year, and are subject to change based on market conditions and borrower eligibility.
Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 08/21/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at email@example.com, or call 888-601-2801 for more information on ourstudent loan refinance product.
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2 Important Disclosures for Laurel Road.
Laurel Road Disclosures
Savings example: average savings calculated based on single loans refinanced from 9/2013 to 12/2017 where borrowers’ previous rates were disclosed. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.
Application detail: 5 minutes indicates typical time it takes to complete application with applicant information readily available. It does not include time taken to provide underwriting decision or funding of the loan.
Instant rates mean a delivery of personalized rates for those individuals who provide sufficient information to return a rate. For instant rates a soft credit pull will be conducted, which will not affect your credit score. To proceed with an application, a hard credit pull will be required, which may affect your credit score.
Total savings calculated by aggregating individual average savings across total borrower population from 9/2013 to 12/2017. Individual average savings calculation based on single loans refinanced from 9/2013 to 12/2017 where borrowers’ previous rates were provided. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.
3 Important Disclosures for SoFi.
4 Important Disclosures for LendKey.
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
5 Important Disclosures for CommonBond.
6 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
|2.47% – 6.99%3||Undergrad & Graduate|
|2.47% – 5.87%1||Undergrad & Graduate|
|2.47% – 8.03%4||Undergrad & Graduate|
|2.95% – 6.37%2||Undergrad & Graduate|
|2.48% – 6.25%5||Undergrad & Graduate|
|2.72% – 8.32%6||Undergrad & Graduate|