Graduates employed in public service provide an immeasurable benefit to American society, and those who pursue graduate or professional school should be free to give back to society without the long-term burden of student loan debt. The goal of the PSLF program is to encourage individuals to enter public service fields, create incentives that promote a long-term commitment to public service, and increase vital services to individuals, states, and the nation. Thus, the primary benefit of PSLF goes to the beneficiaries of those services and society in general. Under this program, federal student loan borrowers may receive forgiveness of the remaining balance of their federal Direct Loans after making 120 payments while employed full-time by qualified public service employers. A repeal or cap on forgiveness would create additional financial stress and hardship for graduate and professional students serving the public interest.