130k+
members use Chipper
$1.5 billion+
student loan debt managed
$307
average monthly savings
Calculate Your Options
Discover your potential monthly payment and time to forgiveness for each IDR plan.
Discover lower payments with
Immediate Benefits
Income exemption increase
Impact for married borrowers
Immediate Benefits
Payments capped sooner
Faster forgiveness for some
Know Your Options
Compare all of the details of your eligible plans side-by-side to make the smartest repayment decision.
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Save 0.25% interest with AutoPay.
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Track Payments and Progress
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REPAYMENT FAQS
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.
