‘Over the past year, I have spoken with hundreds of borrowers, sometimes multiple borrowers, every single day and had to break their hearts,’ she says. … Abrams says that's because she has to give people the bad news that they've fallen victim to problems with the Public Service Loan Forgiveness program, or PSLF. The government program promises firefighters, public defenders, teachers, people who work at nonprofits and others that if they make payments for 10 years, the remainder of their federal student loans will be forgiven.