Every government employee is eligible for federal loan forgiveness — and almost none are enrolled. Finnita handles everything. Free to the agency. 98% success rate.
Every government employee at every level — municipal, county, state, federal — qualifies for Public Service Loan Forgiveness. Police officers, firefighters, administrative staff, public works, city management — all of them. But only 5% navigate the process successfully on their own.
Government compensation already trails the private sector. Student loan debt makes the gap worse. And the federal program designed to close it goes almost entirely unused.
PSLF can forgive a government employee's remaining loan balance after 10 years of qualifying payments at a qualifying employer. Government agencies at every level qualify — and the clock started the day they were hired.
A police officer with seven years on the force may be just three years from zero. A city clerk with five years of service may be halfway there. Finnita identifies how many years of credit each borrower has already earned and enrolls them in the program that maximizes their path to forgiveness.
Kendra is a lawyer at a federal government agency with $320,000 in student loan debt. Before Finnita, she was on the standard repayment plan paying $1,813/month — and didn't know she was already earning credit toward forgiveness.
| Before Finnita | After Finnita |
|---|---|
| $1,813/mo payment | $312/mo payment |
| Standard repayment | PSLF enrollment |
| No forgiveness path | $229,000 projected forgiveness |
| 0 qualifying years credited | 3 years credited, 7 remaining |
Yes. Finnita is completely free to the employer — no fees, no minimums, no budget line item. Borrowers pay for the service directly, and they're net-positive from month one: the average customer saves $468/month. Not a single taxpayer dollar.
No. The agreement is 1.5 pages, there's no cost to the agency, and you can cancel anytime. No RFP, no budget allocation, no council vote. Most agencies sign the same day they receive the agreement.
Sign the agreement and let your employees know the benefit exists. That's it. Finnita provides communication materials. We handle enrollment, paperwork, employer certification, and ongoing annual recertification. Your HR team doesn't manage anything.
All of them. Every government employee at every level qualifies for PSLF — police, fire, administrative, public works, city management, everyone. Finnita enrolls all qualifying employees across all departments.
None. There's no taxpayer cost, a full refund guarantee, and Finnita is a Public Benefit Corporation with values written into our charter. This is a benefit that puts money back into your employees' pockets at zero cost to the public. There's nothing here but upside.
100% refund. If Finnita can't enroll a borrower, every dollar is returned. No risk to the employee, no risk to the agency.
New resources coming soon.
