Public Service Student Loan Forgiveness
Additional Resources for Faculty and Staff
Individuals who work in the public sector (e.g. UNI employees) may qualify for the Public Service Student Loan forgiveness (PSLF) program. UNI Employees who have federal student loans (direct loans) may qualify to have the remainder of their student loans forgiven.
There are eligibility requirements that must be met prior to loan forgiveness.
- working full-time for a qualifying public sector employer for at least 10 years
- making 120 qualifying monthly payments toward federal student loans
To learn more about eligibility and to utilize the PSLF Help Tool:
Once an employee reaches eligibility, they may request to have the remainder of their student loans forgiven. There is necessary paperwork that must be completed and filed appropriately to receive loan forgiveness. Eligible applicants must complete the Public Service Loan forgiveness application*.
*Human Resource Services will verify employment and complete the employer certification section on the application form.
Forms can be provided to Human Resources Services at 27 Gilchrist, mailed using mail code 0034, or faxed to 319-273-2927. Please do not email this form or other personally identifiable information (PII).
TIAA has partnered with SAVI to provide UNI employees wanting additional assistance applying for the Public Service Student Loan Forgiveness Program. Employees will gain access to the SAVI tool through this portal. SAVI will assist UNI employees in enrolling in the forgiveness programs and provide ongoing support and payment tracking for a small fee. Visit the UNI portal to learn more, calculate your savings and enroll with SAVI.
This portal is provided through TIAA for UNI employees to learn more information about and connect and enroll with the SAVI for assistance in applying for the loan forgiveness programs.
Savi Monthly Webinars
TIAA has joined forces with the student loan experts at Savi to help you navigate the complexities of federal student loan programs such as Public Service Loan Forgiveness (PSLF). Join an online webinar to find out how you can explore lowering your student loan payments and working towards forgiveness. For help or questions please email partners: TIAA@bysavi.com.
Frequently Asked Questions
- 1Q: Who qualifies for the Federal Student Loan Forgiveness Program?
1A: Individuals that have made 120 qualifying payments toward their Federal Student Direct Loans while working for an eligible employer qualify for Public Service Loan Forgiveness.
- 2Q: What employers are qualifying?
2A: Individuals that have made 120 qualifying payments toward their Federal Student Direct Loans while working for an eligible employer qualify for Public Service Loan Government employers and not-for-profit organizations are qualifying employers. UNI is a qualifying employer, as well as not-for-profit public safety, law enforcement, early childhood education, public library services, and other school based services.
- 3Q: What type of student loans are eligible for forgiveness?
3A: Federal Student Direct Loans are the only types of loans available for forgiveness. If you have other federal loans such as the Federal Family Education Loans or Federal Perkins Loans you may consolidate them into a Direct Consolidation Loan to be eligible for the forgiveness program.
- 4Q: What jobs are eligible for this program?
4A: All jobs or positions for a qualifying employer are eligible.
- 5Q: Is Federal Student Loan Forgiveness a taxable benefit?
5A: The amount that is forgiven is not seen as income by the Internal Revenue Service and is therefore not a taxable benefit on your federal tax returns.