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PSLF

Public Service Loan Forgiveness is a mess

November 5, 2018 by Ben Caldwell

Matthew Henry / Burst / Used under licenseWhen the Public Service Loan Forgiveness program (PSLF) started in 2007, mental health professionals all over the country expressed optimism and relief. Student debt is crushing younger mental health professionals — hear two stories, in their own words, here. The PSLF program promised those working in nonprofit agencies and in public service that if they just stuck it out for 10 years, the remainder of their direct student loans would be forgiven.

Any kind of mental health work is challenging, but nonprofit clinics and public systems are notoriously difficult to work in. They offer low pay, low-functioning clients, a ton of paperwork, and often, little support. It’s no wonder that many counties struggle to fill those jobs at all.

For those clinicians who experience the work as a calling, though, the PSLF program offered a lifeline. It would be a reward for staying put in positions that most therapists understandably leave. For those who otherwise faced a possible lifetime of debt, PSLF suggested a way out.

It’s not going well so far.

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Podcast episode 5: Reports of loan forgiveness death greatly exaggerated

March 19, 2018 by Ben Caldwell

Psychotherapy Notes podcastWe’ve spent the last two episodes talking about student loan debt. It’s reshaping the mental health professions. Two doctoral students were kind enough to share with us their own personal stories. In this episode, we talk about the great hope for many who are in the deep end of student loan debt: Public Service Loan Forgiveness.

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Ben Caldwell Labs

Psychotherapy Notes is the official blog of Ben Caldwell Labs

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The opinions expressed on posts on this site are solely those of the author.
While this blog does sometimes cover legal issues, unless otherwise noted authors are practicing clinicians and not attorneys.
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  • Exam Prep
    • California LMFT Clinical Exam Prep
    • California LMFT Law & Ethics Exam Prep
    • California LPCC Law & Ethics Exam Prep
    • California LCSW Law & Ethics Exam Prep
    • National MFT Exam Test Bank
  • CE Courses
    • California Law & Ethics for BBS Associates (AMFTs, APCCs, and ASWs) – 2023
    • Telehealth for California LMFTs, LPCCs, and LCSWs
  • Books
    • Basics of California Law for LMFTs, LPCCs, and LCSWs (10th ed)
    • Saving Psychotherapy
    • Preparing for the 2023 California MFT Law & Ethics Exam
    • Preparing for the 2023 California Clinical Social Work Law & Ethics Exam
  • Resources
  • Blog
    • Blog home
    • Psychology
    • Professional Counseling
    • Family therapy
    • Clinical social work
    • Law and ethics
    • Education
    • Employment
    • Licensure
    • Public policy

Basics of California Law for LMFTs, LPCCs, and LCSWs – 10th ed

Basics of California Law for LMFTs, LPCCs, and LCSWs - 10th edition front cover (c) Copyright 2023 Ben Caldwell LabsTenth edition (2023). A concise, digestible summary of vital elements of state law for master’s level therapists and mental health professionals.