Is Metro Credit Union PSLF eligible?
Short answer: Maybe. Check before you count on it. IRS records list Metro Credit Union (EIN 04-1695745) in Chelsea, Massachusetts as a 501(c)(14) organization, not a 501(c)(3). Non-501(c)(3) nonprofits qualify for PSLF only if they provide certain qualifying public services. Confirm with the official PSLF Help Tool.
Last verified November 5, 2026 · PSLFCheck Editorial
IRS record
| Organization | Metro Credit Union |
|---|---|
| EIN | 04-1695745 |
| Location | Chelsea, Massachusetts |
| IRS subsection | 501(c)(14) |
| NTEE category | Not listed |
| PSLF employer type | Maybe: depends on services provided |
Source: IRS Exempt Organizations Business Master File extract. Status can change, so confirm it in the PSLF Help Tool.
How to confirm
- Search EIN 04-1695745 in the official PSLF Help Tool.
- Submit the PSLF form signed by your employer.
- Check your full path with the forgiveness checker and estimate payments with the RAP calculator.
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FAQ
Is Metro Credit Union a PSLF-qualifying employer?
It is listed by the IRS as a 501(c)(14) organization. These qualify only if they provide certain public services. Confirm in the PSLF Help Tool.
What is the EIN of Metro Credit Union?
IRS Exempt Organizations data lists EIN 04-1695745 for Metro Credit Union in Chelsea, Massachusetts. Use the EIN on your PSLF form.
Does working there automatically mean my loans will be forgiven?
No. You also need full-time employment (generally 30+ hours a week), Direct Loans, a qualifying plan (RAP, IBR/IDR, or 10-year Standard), and 120 qualifying payments.
What if I work for a contractor at this organization?
PSLF counts your direct employer, the one that pays you. Contractor employees generally don't qualify through the client organization.
Sources
- Public Service Loan Forgiveness — studentaid.gov — accessed November 5, 2026
- PSLF Help Tool & form — studentaid.gov — accessed November 5, 2026
- 34 CFR 685.219 — PSLF (eCFR) — accessed November 5, 2026
- IRS Exempt Organizations Business Master File extract — accessed November 5, 2026
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