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If you're feeling overwhelmed by student debt, or simply trying not to think about it, we have a solution for you.

Savi is a tool supported by our retirement savings partner TIAA. Savi helps eligible borrowers to understand their choices, lower their monthly payments and enroll in loan forgiveness. Think of Savi as an advocate – someone who cares as much as you do about finding a good outcome.

UK is an eligible employer for Public Service Loan Forgiveness

The federal Public Service Loan Forgiveness (PSLF) program is designed to reduce the burden of student loan debt for people who work in public service. This program considers the University of Kentucky a public service employer. 

This means, as a UK employee, you could become eligible for loan forgiveness.

Simply put, PSLF pairs the immediate relief of an income-driven repayment plan (to make your monthly payments affordable) with the longer-term relief of loan forgiveness. You’ve probably heard some negative press about the difficulties borrowers have faced in attempting to realize the benefits from these programs. That's where Savi comes in.

First, see if you might qualify

Try Savi's free student loan checkup calculator to see if you might qualify for loan forgiveness and lower monthly payments.

Check my savings with Savi

Next, decide if you want to pursue loan forgiveness

PSLF is a program specifically for people who work for non-profit, government or public sector employers, which includes the University of Kentucky. If you work for these eligible employers long-term to make 120 monthly on-time payments and have Direct Loans, you may be eligible to have your remaining federal student loan debt forgiven tax-free.

Entering into PSLF or another forgiveness program requires a commitment to see it through to the end. Switching to an income-driven repayment plan (required if you are working towards PSLF) may actually cause your student debt to increase over time, which can be problematic unless you get forgiveness at the end.

If you know you will not be working full time in a non-profit for the 120 months, then forgiveness may not be the right path for you. Individuals may want to consult their personal tax or legal adviser before making any decisions regarding the status of their student loans.

You can pursue loan forgiveness with Savi's help, or for free on your own!

The required paperwork includes verifying your employment.

Request employment verification from UK

Pursuing loan forgiveness? Savi Essential can help

If you pursue forgiveness, you may decide to enlist a concierge service to complete and manage the paperwork for the duration of the program. This optional service is called Savi Essential has a $60 annual fee.

Frequently asked questions

Savi was started as a social-impact public benefit company. The people behind it are student loan experts, advocates and borrowers who have been fighting for many years to improve the broken student loan system. Savi realized that the 44+ million student loan borrowers¹ needed better and more personalized information about how to manage and repay their debt. Savi helps people navigate the valuable but complicated federal programs available to people who work in public service.

¹ Source: New York Fed Consumer Credit Panel/Equifax

You can use the Savi site and online Student Loan Checkup tool for free. Once you learn about your options and see potential savings, you can choose to apply for the programs yourself.

Or, if you decide you'd like help applying for the income-driven repayment plan and maintaining the paperwork for forgiveness, Savi Essential offers additional support for a $60 annual fee. You'll be able to enroll digitally so you don't have to worry about filling out and routing paper forms. Savi Essential helps you:

  • Apply for an income-driven repayment plan
  • Track payments toward forgiveness
  • Meet your deadlines in time by providing enrollment reminders
  • Stay in compliance with the rules
  • E-file forms
  • By acting as an advocate if you need help along the way.


Whether you're using Savi Essential for your loan forgiveness paperwork or doing it yourself, you'll need to provide verification of your employment with the University of Kentucky.

Use this HR form to request your employment verification record needed for public service loan forgiveness.

If you have Savi Essential, they may ask you to provide an HR contact. They may contact Janetta Crouch at on our HR records team.