September 17, 2021

How Can I Get Student Loan Forgiveness?


If you’ve been following the most recent news on student loans, then you probably know about the Biden-Harris administration’s approval to cancel $8.7 billion in student loans. This student loan forgiveness discharges loans for approximately 455,000 borrowers.

This news comes with the fact that another $5.8 billion in student loans will be canceled by the administration. The act is, by far, the single largest student loan cancellation during Biden’s term.

If you find these highlights interesting, then you might be wondering “How can I get student loan forgiveness?”

How To Get Student Loan Forgiveness

Students who are under the employment of a U.S. federal, state, tribal, or local government agency could be eligible to apply for the Public Service Loan Forgiveness (PSLF) Program. Those who are employed by a not-for-profit organization might also be qualified.

This program is designed to forgive the remaining balance of qualified students to help these individuals with their debts. However, they can only apply for the PSLF program after they have made at least 120 qualifying monthly payments under an approved repayment plan. They should also have made these repayments while working as a full-time worker for a qualifying employer.

How To Qualify for the Public Service Loan Forgiveness Program

Besides being employed by an approved government and non-profit organization, students must also meet the following to qualify for the PSLF program:

  • Must be working full-time for the organization or agency
  • Must have Direct Loans or have consolidated other federal student loans into one Direct Loan
  • Must repay their loans via an income-driven repayment plan
  • Must have made 120 qualifying payments

You can ensure that you’re following the right process by submitting a Public Service Loan Forgiveness form. This should be done yearly or whenever you decide to change employers.

The Federal Student Aid office will use the information you’ve provided on the form to notify you if you are making PSLF payments that qualify with their requirements — helping determine if you’re on the right track.

Which Employers Are Applicable for PSLF?

The qualifying employment to apply for the PSLF program doesn’t depend on a specific job done for an employer. It is instead based on the specific employer.

These are the types of organizations that can let you qualify for the Public Service Loan Forgiveness program:

  • All government agencies at any level (from tribal to federal) including the United States military
  • Any not-for-profit organization that is exempted from taxes under Section 501(c)(3) of the Internal Revenue Code


Students should rejoice knowing that the Biden-Harris administration has recently enacted student loan cancellations that benefit specific groups of student borrowers. However, this targeted student loan forgiveness isn’t the same as a wide-scale student loan cancellation.

Two types of student loan borrowers can qualify for this loan forgiveness: those who fall under total and permanent disability and borrower defense to repayment. This should, at least, answer most questions that revolve around “How can I get student loan forgiveness” for now.

Although there’s a possibility that President Biden may enact a wide-scale student loan cancellation soon, the chances for this are slim. Experts believe that the President will continue to focus on making targeted student loan forgiveness easier for qualified borrowers.

Use Chipper for Lower Payments

Chipper can help you find a student loan repayment plan that actually fits into your budget. You simply fill out your information and link your student loan account for us to generate your options in seconds. We help the average student loan borrower save over $300 a month off their student loan monthly payment. Lowering your monthly payment plan can game changing for your personal finance and can be done in minutes! Sign up for Chipper today to get on track with your student loans.

Use Chipper for The Best Path to Forgiveness

Finding your path to student loan forgiveness is easier than ever before. Chipper helps members find better Income-Driven Repayment (IDR) plans every day. Once enrolled in an eligible repayment plan, we can help you explore your forgiveness options and understand your path towards forgiveness. Sign up with Chipper today and get on track with your student loans.

Use Chipper for Round-Ups

Paying off your student loans doesn’t have to be a long and painful journey. Round-Ups are a way to directly pay off your loans with your everyday spending! By tracking your linked spending account(s), we will calculate the rounded up amount from each transaction in a week (IE spending $4.28 would add $0.72 to the weekly amount). We then initiate a payment towards your student loan for the weekly amount. Get chipping away on your student loans with Chipper today.

Use Chipper for Public Service Loan Forgiveness (PSLF)

The Public Service Loan Forgiveness (PSLF) program was created to provide relief to borrowers aiding the public sector. Unfortunately, 30% of applicants are denied due to incorrect paperwork. We can help! Chipper was created to solve this issue by assisting borrowers in understanding their options as well as allowing forgiveness eligible users enroll into the best forgiveness program available. Sign up for Chipper today to see your student loan forgiveness options and get the forgiveness you deserve.

Use Chipper for Teacher Loan Forgiveness (TLF)

The Teacher Loan Forgiveness (TLF) program was created to enable teachers working in Title 1 schools to receive student loan forgiveness of up to $17,500 (depending on their teaching subject). Chipper has helped teachers from all over the country qualify for TLF program and can help you get the forgiveness you deserve today. Find out if you qualify for forgiveness in minutes with our employer search tool.

Don't worry.
Be Chipper.
Get Started