PSLF Hands Free 501(c)3

Make every month count toward PSLF forgiveness.

Your nonprofit gave you a path to qualifying employment. Now you have to keep that employment properly documented, your PSLF progress certified, and your nonprofit compliant year after year. We handle the back office for you, so you can stay focused on your patients while your progress stays on track.

Check my PSLF progress
★★★★★ 4.8 / 5 5,000+ nonprofits handled 100+ healthcare professionals on the PSLF path

See where you stand in about 20 seconds.

PSLF requires 120 qualifying monthly payments while you meet the program's employment requirements. If your nonprofit is your qualifying employer, maintaining and documenting that employment over the years matters. See where you are now and what still lies ahead.

Your PSLF progress

Rough is fine. This is just to show you the shape of it.
Qualifying payments made so far6 / 120
Are you currently on documented payroll with your nonprofit?
Roughly how many months have you had a gap in payroll or documented nonprofit employment?3 mo
Your progress to forgiveness
6 counted120 needed
114 months
of qualifying payments still ahead of you
You may have a 3-month gap worth reviewing. Whether those months qualify depends on your employment, loans, payments and other PSLF requirements. We'll help you identify what needs to be verified.
Get my free review

Estimate only, for illustration. Your actual PSLF eligibility and count are determined by the U.S. Department of Education.

Two things have to stay on track for years.

Your qualifying employment has to remain real and properly documented. And the nonprofit employing you has to remain compliant and eligible. Over a 10-year PSLF journey, either side can create problems if nobody is watching it. So ask yourself, honestly, about each one:

Employment documented
Payroll, W-2s and employment records support your qualifying employment.Gap = progress that may be harder to establish
?Is your nonprofit employment properly documented, with payroll and employment records to support it?
Nonprofit compliant
Your nonprofit stays active and tax-exempt.Gap = your qualifying employer may be put at risk
?Do you know your next 990 and state-report due dates, and is your nonprofit still listed in good standing?

If you hesitated on either question, that's exactly the uncertainty Hands Free is designed to eliminate. We keep the administrative side organized, documented and on schedule, so you don't have to spend the next several years wondering whether something important slipped through the cracks.

You did not go to school for payroll taxes.

The day your nonprofit became your employer, you inherited a back office. Here's the administrative stack that now has to keep working year after year:

An alternative medicine professional reviewing stacks of paperwork at her desk
Monthly payrollRun right and on time, so your employment stays documented.
940s, 941s & W-2sFederal payroll filings and year-end wage reporting.
DoE employment certificationThe yearly form that validates your PSLF progress.
Annual IRS Form 990The filing that helps keep you tax-exempt.
State periodic reportA different deadline in every state. Miss it and you can dissolve.
Board meeting & minutesThe governance the IRS expects on file.

Every hour on this is an hour you are not seeing patients. And over a 10-year PSLF journey, small administrative misses can turn into big problems if nobody catches them.

Here is what we take off your plate.

PSLF Hands Free 501(c)3 manages the two administrative systems your nonprofit needs for the long haul: your employment and payroll administration, and your nonprofit compliance. You do not touch either one. You get a confirmation when it is done.

You keep doing the qualifying work. We keep the back office behind it running.

An alternative medicine professional meeting warmly with a client
So your employment stays documented

We run your payroll

The administrative record behind your nonprofit employment. Set it up once, and we keep it running and documented.

Payroll, on autopilot

  • Monthly payroll and pay stubs, handled
  • 940s, 941s and year-end W-2s, filed
  • Annual PSLF employment certification, prepared, reviewed, and submitted
So your status never lapses

We keep you compliant

We manage the recurring filings and governance work that helps keep your nonprofit active, compliant and tax-exempt.

Your annual filings

  • IRS Form 990, filed on time, every year
  • State report and good-standing, kept current
  • Any letter from the state or IRS, forwarded to us and handled

Your board and governance

  • Annual board meeting, run for you on video
  • Minutes signed, stored, and done
  • Governance templates ready when you need them
One program instead of coordinating a bookkeeper, payroll company and nonprofit accountant yourself. One team. One schedule. And because we opened your nonprofit, we already know your file.

We are the ones who filed your nonprofit.

We aren't learning your situation from scratch. We built your nonprofit. We already know the entity, the history and the reason you created it. Now we can manage the administrative side of keeping it on track for the years ahead.

The InstantNonprofit team reviewing a nonprofit together at a laptop
5,000+
nonprofits handled since 2015
100+
healthcare professionals on the PSLF path
4.8/5
from the people we serve
One team
for payroll, filings, and your board, not three vendors

Meet some of the healthcare professionals we keep on track.

Real people whose nonprofits we run, so the work they are already doing keeps counting toward PSLF.

Dr. Richard H. · Doctor of Chiropractic
Loans forgiven, start to finish
Forgiventhrough PSLF
Good standingstate & IRS, all the way

Dr. Richard came to us to establish and maintain the nonprofit that would become his qualifying employer. We handled that side start to finish. In June, he emailed to say his loans had been forgiven.

"Good news, bad news. The good news is my student loans have now been forgiven. The bad news is I don't need you guys anymore."
Dr. Danielle P. · Doctor of Chiropractic
Two additional qualifying months confirmed in year one
+2 monthsconfirmed qualifying
5 yearsdocumented, hands-off

When Dr. Danielle got started, we helped document her nonprofit employment and get her PSLF certification in quickly. Her federal PSLF record ultimately reflected two additional qualifying months beyond what she initially expected. Five years later, we still handle her payroll, W-2s and annual PSLF administration.

"Wonderful. Glad we're on track."
Dr. Kevin J. · Doctor of Chiropractic
Recognized in under five months
<5 monthsto recognized employer
No lost timequalifying time preserved

Dr. Kevin wanted to become a recognized PSLF employer fast. His 501(c)3 took effect in the spring, and within months he was on nonprofit payroll with his PSLF application in. When his new nonprofit didn't initially appear in the federal PSLF employer database, we helped verify its IRS status and kept his documentation moving, and he lost no qualifying time in the process.

The longer you wait, the more there is to clean up later.

PSLF is a long game: 120 qualifying monthly payments, typically spanning years. The sooner your employment records, payroll administration, nonprofit compliance and annual certifications are organized, the easier it is to keep your progress documented and catch problems while they're still fixable.

Get my free review

Questions you might have

I already have an accountant. Isn't this covered?

PSLF employment certification is a specialized process most general accountants don't manage, and Federal Student Aid recommends doing it annually to validate your progress. We coordinate the payroll, nonprofit compliance and PSLF administration in one place.

What actually happens if I miss something?

It depends on what was missed. Some administrative problems can be corrected. Others can create gaps or make qualifying employment harder to document later. And nonprofit filing problems can threaten the standing or tax-exempt status of the organization employing you. That's why our approach is simple: keep the records, payroll, filings and annual PSLF certification current instead of trying to reconstruct years of history later.

Do you handle my annual PSLF employment certification?

Yes. Each year we prepare, review, and submit your PSLF employment certification, so your qualifying employment is validated and your federal payment count stays up to date.

How fast can you start?

Fast. We'll first review where your nonprofit, payroll and PSLF documentation stand today. Then we'll show you what needs to be put in place, what may need to be cleaned up, and what we can take over immediately.

What does it cost?

We walk you through the whole program and the numbers on your call, once we have confirmed it is a fit for your situation.

Book your free PSLF and nonprofit review.

We'll review where your nonprofit, payroll and PSLF documentation stand today, identify anything that needs attention, and show you exactly what Hands Free would take off your plate. If it's a fit, we'll tell you. If it isn't, we'll tell you that too.

Get my free PSLF review