SAVI is a free tool for Western employees and their families to manage student loan repayment and navigate the federal Public Service Loan Forgiveness (PSLF) program. 

PSLF is a federal program available to full-time government and nonprofit employees where the balance of your federal student loans is forgiven after 120 qualifying payments (10 years). The rules and requirements of this program are complex, and only a small percentage of those eligible have been able to have their loans forgiven. SAVI can help you enroll in the PSLF program and remain compliant, while also consolidating your student loans and managing your student loan repayments. 

How PSLF Works

  • Available to full-time government and nonprofit employees for many Federal Direct Loans 

  • Must be on a qualifying income-driven repayment plan 

  • Loan balance is forgiven once 120 qualifying monthly payments have been made (10 years) 

  • Months spent in pandemic-based forbearance count toward the 120 payments, even if you did not make payments during this time 

How SAVI Works

SAVI not only positions you for student loan forgiveness, with a $1,800 average annual student debit savings, it can reduce your monthly student loan payment and strengthen your financial footing in the short term. 

  • Reduces your payment based on your income and family size 

  • Frees up funds that you can direct towards other financial goals 

  • Removes the complexities of PSLF and puts the process on auto-pilot 

To get started with SAVI check out the SAVI for WWU webpage or review the SAVI Quick Start Guide