Discover Your
Forgiveness Potential

Say goodbye to student debt anxiety with Chipper. Verify eligibility, track progress, and apply with confidence.

We've helped members qualify for more than $250M in student loan forgiveness.

Manage All Of Your Debts In One Place

Say goodbye to manual tracking. We connect all your debt accounts, from credit cards to student loans, in a single, easy-to-navigate dashboard.

Build A Debt-Repayment Plan That’s Right For You

Our advanced technology tailors leading Snowball and Avalanche strategies to your debts, interest rates, and financial situation, crafting a personalized, effective strategy that fits your budget.

Set Your Plan On Autopilot

After setting your plan, we automate your extra payments, handling everything to ensure timely payments from your linked bank account without any manual effort.


What is student loan forgiveness?

The Public Service Loan Forgiveness (PSLF) is a federal program designed to provide relief to borrowers who work in qualifying public service jobs and help them manage their student loan debt. The program was established under the College Cost Reduction and Access Act of 2007 to encourage borrowers to pursue careers in public service.

Who qualifies for student loan forgiveness?

To qualify for PSLF, you must be an employee of a federal, state, local, or tribal government or a not-for-profit organization, make 120 qualifying payments on your direct loans, and work full time for that employer. Additionally, you must be on a qualifying repayment plan.

When do I qualify for student loan forgiveness?

The PSLF Program offers forgiveness of the remaining balance on your Direct Loans after you make 120 qualifying monthly payments under a qualifying repayment plan, while working full-time for a qualifying employer. This usually takes around 10 years to achieve.