Your employees can qualify for student loan forgiveness!

We want to help your employees navigate and reduce their student loan debt at no cost to you or them!

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Student Loan Forgiveness Could Help Retain Employees

African American woman working on the computer

“Knowing I’m on track for the student forgiveness plan and only have three more years before I can apply, I’m definitely staying at my current employer so I can get my loans forgiven!” - Michelle K.

“I’ve struggled to make payments and have considered a part-time job. But Chipper helped me lower my payments and I’m on track to have $36,000 off my loans through forgiveness.” - Kevin D.

Male Teacher

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We'd love to help your employees qualify and apply for student loan forgiveness.

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Improve employee financial wellness, increase productivity and retention, and attract higher quality diverse talent

Productivity & Retention

  • Overwhelming student loan debt could lead to employees being distracted and unfocused at work.
  • Lowering payments by an average of $300 per month / $3,600 per year is essentially a pay raise for employees.
  • 71% of public-sector executives consider the PSLF program to be a highly important tool for retaining experienced staff.


  • 87% of student loan borrowers would be much more likely to accept a new position given the promise of student loan forgiveness.
  • And 51% of those borrowers indicated they were not likely, or certain not to have taken their positions had PSLF not existed.

Diversify, Equity, and Inclusion

  • The burden of student loan debt weighs heavier on Black and Latinx borrowers, who are more likely to have student loans and struggle to repay them, (owe more, pay more, but make less).

Who we are

Founded in 2017, Chipper is a student loan platform empowering borrowers with access to smarter tools to lower monthly payments, qualify and apply for student loan forgiveness, and chip away their debt faster.

We believe expert student loan guidance should be accessible to all student loan borrowers, regardless of employer, credit score, or income. Over the last year, we’ve helped save eligible Chipper members anywhere from $5,000 to $200,000+ in student loan forgiveness!!!

Tony, CEO and Founder of Chipper

Tony Aguilar


We've helped thousands from across the country

How It Works


Discover & Compare

Link your loans & tell us a little about yourself. We’ll check which forgiveness programs you’re eligible for. Easily compare your options side-by-side.


Get on Track

We'll help you max out your forgiveness potential and adhere to all criteria required for your chosen forgiveness program.


Apply or Recertify

Digitally apply or recertify with peace of mind knowing we complete the forms with your information for you so you know it's done correctly.

We work with employees from the following organizations:

All Church Home LogoChicago Public Schools LogoCK Family Services

Frequently Asked Questions

What is Chipper?

Chipper is an app that helps student loan borrowers qualify and apply for student loan forgiveness, lower monthly payments, and chip away at their debt faster. 

How big is the student loan debt problem?

70% of college graduates leave school with student loan debt. The average student debt balance is $52,318 and typically takes 20 years to repay at $393/month. The average student loan accrues $26,000 in interest alone over those 20 years! Not surprisingly, student loan debt is the main barrier to building a financial life for most borrowers.  

Of the non-profit employees with student loan debt, 50% have considered leaving their job as a result of their costly student loan payments, and 50% would be very likely to leave their job if student loan forgiveness didn’t exist.

How does student loan forgiveness work?

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!

But, 99% of forgiveness applications are denied, due to various reasons including having ineligible loans, incorrectly filed forms, and not meeting all of the program requirements. 

What about the Public Service Loan Forgiveness Limited Waiver Opportunity?

We’re well aware of the new and exciting changes to the requirements for the PSLF program.
It’s clear there will be an expansion on the loan types, payments made, and potentially employers that qualify for PSLF (FFEL, late payments, partial payments, etc.)
• Consolidation likely will not reset the clock on payment history
• There will also be improvements to the review process and a better loop (review + appeal) in the event that a borrower is denied
We’re tracking with the Department of Education to get as much information as possible on these exact changes and when. We’ll be keeping our employer partners and their employees updated along the way.

How can Chipper help my employees?

Chipper brings together the different forgiveness program guidelines, rules, forms, and applications—ensuring loan types, repayment plans, and repayment terms meet all applicable program requirements. And if not, we’ll get employees on track so they qualify for the forgiveness program that’s best for them!

We can help employees: 

  • Consolidate loans 
  • Enroll in an income-driven repayment plan
  • Annually recertify for their chosen income-driven repayment plan
  • Apply for Teacher Loan Loan Forgiveness (applicable for Title 1 school teachers only)
  • Submit the Employment Certification Form for their previous and current employers
  • Apply for the Public Service Loan Forgiveness program

What differentiates Chipper from the Federal Student Aid website or the loan servicers?

FSA nor the loan servicers are going to help student loan borrowers at the level of care and completeness as we do. 

An employee who uses the Federal Student Aid website or their loan servicer will need to manually verify their loan and payment history eligibility against their chosen forgiveness program requirements. They will need to manually collect the required signatures for their forms and applications. There is also uncertainty on the process and if their forms and applications were filed correctly and timely. 

Can Chipper only help full-time employees?

Only full-time employees are eligible for forgiveness. However, part-time employees can still take advantage of Lower Payments and our Round-Ups feature.

What are Lower Payments?

‘Lower Payments’ is what we call the income-driven repayment plans. These plans cap monthly payments in proportion to a borrower’s income, (10%, 15%, or 20%). These plans particularly assist those with a high student loan balance compared to their income. However, it can be confusing as to which plan to pick. Our app walks a borrower through the different plans considering their income, marital status, and family size, comparing side-by-side the PROs and CONs of each eligible plan.

What is Round-Ups?

Round-Ups is a great way to chip away student loan debt and avoid costly interest without really feeling it. 

A borrower links their federal and/or private student loans and chooses a loan to pay down. Next, they connect the debit and credit cards they use to make everyday purchases. We then ‘Round-Up’ those purchases to the nearest dollar, depositing the difference to their chosen loan. On average, borrowers chip away $35/month toward their loan’s principal.

Is Chipper secure?

We rely on industry-standard end-to-end cloud encryption—we use the same security infrastructure as national banks like Capital One.

How does Chipper make money?

Chipper is investor-backed by Sofi, BBVA, and Nerdwallet, to name a few. We are offering our services for free for all users until December 31st, 2021, and for the first 50 pilot partner employers and their employees.

Get your employees the forgiveness they deserve.
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