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Phone: (856) 686-9910
Richardson Law Offices
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What is Full Time for Public Service Loan Forgiveness of Student Loans?

According to the Department of Education, you must meet your employer's definition of full-time, but for the purposes of this program, that definition must be at least an annual average of 30 hours per week. However, if you work at a qualified not-for-profit organization, those hours do not include time spent participating in religious instruction, worship services, or any form of proselytizing.

Teachers under contract for at least eight out of 12 months meet the full-time standard, as long as they work an average of at least 30 hours per week during the contractual period and receive credit by the employer for a full year's worth of employment.

More than one qualifying part time job can qualify you as long as you are employed simultaneously for a combined average of at least 30 hours per week.

If you live in New Jersey and are struggling with payment on federal student loan debt, I may be able to be of assistance. Just download this questionnaire, fill it out, and then fax it to me at 856-686-9911 or e-mail it to me. I will then review it to determine if I can be of assistance and contact you to discuss representation.