We get you the forgiveness you deserve

You may be eligible for a student loan forgiveness program! Discover your eligibility now—we’ll take it from there.
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See how much you could qualify for in student loan forgiveness!

How It Works

Check Eligibility

Link your loans & tell us a little about yourself. We’ll check which income-driven repayment plans you’re eligible for.

Compare Options

Compare all income-driven repayment plans side-by-side to find the best program for you.

Easily Apply Online

Pick an income-driven repayment plan & we’ll guide you through the application process.
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Why Chipper?

Clarity

24% of forgiveness applications are rejected each year for misfiled information! We complete forms and collect digital signatures for you so you know it’s done correctly.

Security

We conduct secure and automated analyses of your loan and payment history to ensure your loan types and repayment plan meet all applicable program requirements.

Convenience

Chipper brings together all the guidelines, rules, and employer databases so you don’t have to scour the internet. We’ll guide you through every step of the forgiveness process.

Without Chipper

Only 2% of forgiveness
applicants are approved*

With Chipper

67% of forgiveness
applicants are approved.

Who qualifies for student loan forgiveness?

If you work for a public school, non-profit, a religious organization, or a federal, state, or local government employer and have federal student loans, you may qualify for forgiveness through these programs:

Public Service
Loan Forgiveness (PSLF)

PSLF is a program for full-time public service employees that have federal direct loans. Borrowers must be enrolled in a Income-Driven Repayment Plan and make 120 qualifying payments to be eligible for their remaining federal student loan balance to be forgiven.

Learn More

Teacher
Loan Forgiveness (TLF)

TLF is a program for full-time Title 1 school teachers who have completed five consecutive academic years at a Title 1 school. Depending on the subject and grade level taught, eligible borrowers may have $5,000 - $17,500 of their federal student loans forgiven.

Learn More

See If Your Employer Qualifies You For Forgiveness

Did you know public service employees who have federal student loans are eligible to have their student loans completely forgiven?!? 🤯

That’s right! If you work for a public school, non-profit, a religious organization, or a federal, state, or local government employer and have federal student loans, you’ll qualify for forgiveness!

Use the tool below to search your current employer to discover if you’re forgiveness eligible.

We work with employees from the following organizations:

All Church Home LogoChicago Public Schools LogoCK Family Services

Hear from our users

Over $81 million forgiven

FAQs

What is student loan forgiveness?

Public sector employees can qualify for the Public Service Loan Forgiveness program. This federal program is for full-time employees who have direct loans. After working for a non-profit for 10 years and making 120 payments, an eligible borrower can apply to have their remaining balance forgiven. The average forgiveness amount for those approved for the Public Service Loan Forgiveness program is $76,906!

Who qualifies for student loan forgiveness?

If you work in public service, whether for the government or a nonprofit organization, the Public Service Loan Forgiveness Program (PSLF) might be right for you. Those working in nursing, government, police, fire departments, and social work are all possible candidates. Other forms of voluntary work, military service, or medical practice can also allow you to have all or part of your loans forgiven.A requirement of 120 qualifying payments needs to be made to be eligible for loan forgiveness. To make a qualifying payment, you must pay the loans' minimum charge on time while employed by an authorized organization, which is typically the federal, state, or local government or a tax-exempt charitable agency. As such, you will be considered eligible after ten years on the job and ten years of monthly payments.

When do I qualify for student loan forgiveness?

One consideration of getting into an income-driven repayment plan (IDR) is student loan forgiveness. It can be appealing to pay and have the rest forgiven. However, there are certain conditions you need to fulfill in an IDR to qualify. Understanding them can lead you to decide whether it is the move for you.

How do I know if I'm on the right payment plan?

You’ll need to maintain an Income-Driven Repayment Plan for 20-25 years. After paying it consistently, the government will forgive the rest no matter the balance remaining. How long you’ll have to pay will depend on the plan you choose.

Here’s a summary of each, according to IBR Info:

- ICR: pay 20% of discretionary income and a 12-year repayment amount multiplied by an income percentage factor. You’ll have to pay for 25 years. It applies to all Direct Loan borrowers with no PFH required.

- PAYE: Pay 10% of discretionary income for 20 years. It applies to all borrowers who took out a loan after Sept 30, 2007, and one other loan after Sept 30, 2011. Must have a PFH

- IBR: 10% of discretionary income for 20 years. Applies to people who took their loan on or after July 1, 2014. Must have a PFH.

- REPAYE: pay 10% of discretionary income for 20 years, or 25 years if you are in graduate debt. No proof of partial financial hardship (PFH) is required.

What is the student loan forgiveness waiver?

You’ll need to maintain an Income-Driven Repayment Plan for 20-25 years. After paying it consistently, the government will forgive the rest no matter the balance remaining. How long you’ll have to pay will depend on the plan you choose.

Here’s a summary of each, according to IBR Info:

- ICR: pay 20% of discretionary income and a 12-year repayment amount multiplied by an income percentage factor. You’ll have to pay for 25 years. It applies to all Direct Loan borrowers with no PFH required.

- PAYE: Pay 10% of discretionary income for 20 years. It applies to all borrowers who took out a loan after Sept 30, 2007, and one other loan after Sept 30, 2011. Must have a PFH

- IBR: 10% of discretionary income for 20 years. Applies to people who took their loan on or after July 1, 2014. Must have a PFH.

- REPAYE: pay 10% of discretionary income for 20 years, or 25 years if you are in graduate debt. No proof of partial financial hardship (PFH) is required.

How do the new student loan forgiveness initiatives affect me?

You’ll need to maintain an Income-Driven Repayment Plan for 20-25 years. After paying it consistently, the government will forgive the rest no matter the balance remaining. How long you’ll have to pay will depend on the plan you choose.

Here’s a summary of each, according to IBR Info:

- ICR: pay 20% of discretionary income and a 12-year repayment amount multiplied by an income percentage factor. You’ll have to pay for 25 years. It applies to all Direct Loan borrowers with no PFH required.

- PAYE: Pay 10% of discretionary income for 20 years. It applies to all borrowers who took out a loan after Sept 30, 2007, and one other loan after Sept 30, 2011. Must have a PFH

- IBR: 10% of discretionary income for 20 years. Applies to people who took their loan on or after July 1, 2014. Must have a PFH.

- REPAYE: pay 10% of discretionary income for 20 years, or 25 years if you are in graduate debt. No proof of partial financial hardship (PFH) is required.

Are you a student loan debt relief company?

We are not a student loan debt relief company.

Chipper does:
1. Offer to help student loan borrowers manage their student loans, understand their options, and track progress toward becoming free of their student loans.
2. Offer to help student loan borrowers manage their student loans, understand their options, and track progress toward becoming free of their student loans.look for and display available income-driven repayment plans for you to choose from, based on information you provide to us.assess your eligibility for student loan forgiveness against the criteria set by the government.guide you toward becoming forgiveness eligible by regurgitating the criteria set forth by the government in a way that is digestible and understandable.help you complete the forms and enroll in the repayment plans you choose.offer a Round-Ups program that helps borrowers make additional micro-payments directly to their student loans, reducing the amount of interest accrued each month. Chipper does not:
manage your student loan repayment. Not even for a fee. You maintain the payment structure and relationship with your loan servicer(s).guarantee loan forgiveness. Chipper cannot make that decision on behalf of the government.charge you a fee to use the platform during the moratorium.take any action that you don't authorize, such as submit your forms to the government.advise student loan borrowers to stop paying their loans.We built a tool to help student loan borrowers navigate an overwhelming and confusing process.
Should you want to explore your options, we're here to help. We can be reached at support@chipper.app. Have a great day!

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