Welcome, Jacob's Ladder School Team!

Meet your student loan sidekick

Chipper is a simple app that helps you lower payment, qualify for forgiveness, and chip away student debt faster.

We work with employees from the following organizations:

All Church Home LogoChicago Public Schools LogoCK Family Services

Why 75,000+ borrowers trust us


Forgiveness eligible

4 Years

Faster to pay off loans


Avg monthly savings with Chipper


Avg immediate loan forgiveness

Meet your student loan sidekick

Discover Forgiveness Eligibility

See if you are eligible for forgiveness and how much you could be forgiven! We’ll help you decide which forgiveness program is best for you and get you on track to apply.

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Get on the Right Income-Driven Repayment Plan

Lower your monthly student loan payment by exploring Income-Driven Repayment (IDR) plan options available to you.

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Pay Off Loans Faster with Round-Ups

Link the card you use for everyday purchases — we’ll round your transactions up to the next dollar and contribute the change directly your student loans.

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Let Brands Chip Away Your Student Debt

Link the cards you use for everyday purchases - and earn cash directly toward your student loans with 350+ brands.

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We get you the forgiveness you deserve

Frequently Asked Questions

What is Chipper?

Chipper is a student loan platform that can help you lower monthly payments, qualify and apply for student loan forgiveness, and chip away your debt faster.

We’re on a mission to make expert student loan guidance more accessible to all student loan borrowers, regardless of employer, credit score, or income. Over the last year, we’ve helped tens of thousands of borrowers with their student debt, and we can’t wait to help you too! And the best part, as a non-profit employee, you could be eligible for student loan forgiveness!

How can Chipper help me?

Chipper brings together the different student loan 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 you on track so you qualify for the forgiveness program that’s best for you!

We can help you:

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

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 or public school 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 $82K!

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. This is where Chipper can help!

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.

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. 

By using the Federal Student Aid website or your loan servicer, will need to manually verify your loan and payment history and eligibility against your chosen forgiveness program requirements. You will need to manually collect the required signatures for your forms and applications. There is also uncertainty on the process and if your 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 (IDR) plans. These plans cap monthly payments in proportion to your income, (10%, 15%, or 20%). These plans particularly assist those with a high student loan balance compared to their income. Enrolling and paying while on an Income-Driven Repayment plan is a requirement of the Public Service Loan Forgiveness program.

However, it can be confusing as to which IDR plan to pick. Our app will walk you through the different plans considering your 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. 

This feature is great if you don’t qualify for student loan forgiveness or have private student loans. You first link your loans and choose a loan to pay down. Next, you’ll connect the debit and credit cards you use to make everyday purchases. We then ‘Round-Up’ those purchases to the nearest dollar, depositing the difference to your chosen loan. On average, borrowers chip away $35/month toward their loan’s principal. That’s roughly $8 a week which could save $5,200 in interest over the life of your loans!

Is Chipper secure?

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

Is Chipper really free?

Yes. As an employee of one of our partner employers, Chipper’s forgiveness, repayment, and Round-Ups services are free to you.

What if I leave my current employer? Will I lose this service?

We plan on honoring our free services to you even if you leave your current employer. Please note, in order to apply for the Public Service Loan Forgiveness program, you’ll need 10 complete years working for a public sector employer. So wherever you go next, the employer will need to be considered public service in order for you to remain eligible. We’d of course love an introduction to your new public service employer so we can help their employees too. 💜

Don't worry.
Be Chipper.
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