NSDFC provides consultative services and solutions dedicated to helping your employees achieve financial freedom from student loan debt.

The numbers surrounding student loan debt are staggering. Since 2008, outstanding student debt has more than doubled, ballooning from $600 billion to $1.7 trillion. In a difficult time, the situation is worse than ever. More adults are burdened with student debt today, as the percentage of households with student debt—21 percent—is nearly three times the amount it was in 1989 (8 percent), even after adjusting for inflation, at nearly four times the amount.

It is no surprise, then that student loan debt is a mounting problem that affects employees more and more. One-third of workers say they worry about finances at work , with most citing debt as their main concern, and 78% of workers with student loan debt, including 65% of workers over age 55 with current or future loan debt, want their workplace to offer student loan benefits. Any benefit that reduces student loan debt through a lower monthly payment or a reduction in the term greatly enhances your attractiveness as an employer and is goes a long way toward retaining quality employees. Moreover, 86% of employees said they would stay with a company for at least five years if their employer helped pay down their student loans, so the potential for both retention and recruitment cannot be understated.

Employers are getting creative with incentive packages that include valuable offerings such as income-driven repayment (IDR) plans for paying down student debt, and federal forgiveness programs are available to assist employees, such as Public Sector Loan Forgiveness (PSLF). There are few benefits you can offer that would have such a significant impact on your employees’ lives or as effectively demonstrate your interest in their wellbeing.
The process for federal student loan forgiveness is often a difficult one and maximizing its chances of success goes a long way toward contributing to employees’ overall wellness by reducing anxiety; alleviating financial pressure increases productivity, decreases work-related errors, and promotes better physical health.


Is your institution fully leveraging Public Sector Loan Forgiveness (PSLF)? The PSLF Program forgives the remaining balance on your federal direct Loans after 120 qualifying monthly payments have been made under the appropriate repayment plan while working full-time (30+ hours) for a qualifying employer. The average balance forgiven for PSLF loans: $76,906. With this kind of forgiveness, employees can reach milestones such as buying a house or starting a family.


  • Free, in-depth, one-on-one consultations with a certified student loan professional
  • Personalized, detailed action plan based on employees’ best interests
  • Client Portal- Online access for Employer & Employees
  • Informational Webinars


  • Free, in-depth, one-on-one consultations with a certified student loan professional
  • Personalized, detailed action plan based on employees’ best interests
  • Client Portal- Online access for Employer & Employees
  • Free Informational Webinars
  • Bulk Pricing


There are a variety of options for employers in the for-profit sector to assist their employees with student debt relief. Sponsoring student loan counseling can help employees by reducing employees’ monthly loan payments and terms of the loans. Together, NSDFC and your company devise and execute a program that includes informational webinars, free one-on-one loan counseling, and a comprehensive action plan for employees. Employer-sponsored programs also include strategy meetings focused on student loan relief programs, benefits, and wellbeing initiatives as tools to achieve corporate goals. Fifty-five percent of millennials, as well as ten percent of boomers and Gen X employees—often cosigners of this debt—feel that student loan assistance is an important benefit.

For private loans, we also work with LendKey to help employees refinance their loans with highly competitive rates.


  • Free Webinars
  • Federal Loan Counseling
  • Free Consultation & Action Plan
  • Reduced Processing Rates
  • Private Loan Refinance Options


  • Webinars
  • Comprehensive Consultation & Action Plan
  • Federal Loan Counseling
  • Private Loan Refinance Options

Private Refinancing

  • As we are not a lender, we work with LendKey to help employees refinance private student loans
  • Highly Competitive Rates
  • No Origination Fees
  • 2-Minute Rate Check with No Impact on Credit Score
  • Unemployment Protection, up to 18 Months

Recognizing the need for knowledgeable guiding consultants, National Student Debt Forgiveness Center (NSDFC) is a team of educated and professional loan advisors specializing in student loan repayment and student loan forgiveness plans. We offer employers options such as strategy meetings focused on student loan forgiveness programs; detailed action plans with short- and long-term goals, deliverables, and evaluation measures; regularly scheduled, live, webinars customized to employees; and access to recorded webinars. Options are plentiful and more accessible than you might think! Contact us today to find out how your company can contribute to your valued employees’ financial wellness!

Works Cited:

  1. A Look at the Shocking Student Loan Debt Statistics for 2021, Student Loan Hero. (January 27, 2021) https://studentloanhero.com/student-loan-debt-statistics/
  2. Student Loan Debt Statistics, Melanie Hanson, EducationData.org. (June 30, 2021) https://educationdata.org/student-loan-debt-statistics
  3. Student Debt and the Class of 2019, Project on Student Debt, The Institute for College Access & Success. (October 2020) https://ticas.org/our-work/student-debt/
  4. Student Loan Default Rate, Melanie Hanson, EducationData.org. (June 19, 2021) https://educationdata.org/student-loan-default-rate

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