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Transforming Student Loan Forgiveness

Transforming the Public Service Loan Forgiveness (PSLF) experience to empower public servants with clearer, faster, and smarter paths to loan forgiveness.
Device mockups displaying design UI.

Overview

Methods & Tools
  • Complex prototyping (Axure & Sketch)
  • Leading & conducting user research initiatives
  • Workshop crafting & facilitation
  • Client relations & design evangelism
Role

Product Design Lead

Timeframe

3 years (intermittent)

Delivery & Impact

350+

Screens Designed

38

User Feedback Sessions

40+

Stakeholder Working Sessions

Background on PSLF

The Public Service Loan Forgiveness (PSLF) program, established in 2007, aims to forgive federal student loans for public servants after making 120 qualifying payments on their student loans. Despite its noble intentions, the program has faced significant challenges.

One major issue is the confusion surrounding employment eligibility. Many borrowers spend a decade in jobs they believe qualify for PSLF, only to discover at the time of application that their employment does not meet the program's criteria. This misalignment, often realized too late, underscores the need for clearer guidelines and consistent employment certification from the start.

The Challenge

How might we simplify the PSLF application process, improve transparency, and empower borrowers with the tools and knowledge needed to successfully navigate student loan forgiveness?

01 Discovery Research

To understand the challenges borrowers face with the PSLF program, we conducted in-depth discovery work combining ethnographic interviews, usability testing, and analysis of application data and customer feedback. We engaged a diverse mix of stakeholders—including student loan borrowers, employers, and loan servicers—to uncover where the experience was breaking down and how it could better support users navigating PSLF.

What We Found

Our research revealed a high rate of PSLF application rejections, with over half denied due to issues with qualifying payment counts. Many borrowers also struggled with missing information, confusion about eligibility, and a lack of transparency.

Analytics Data

Quantitative research findings

Customer Pain Points

01
Confusion About Qualifying Employers
Borrowers may have previously thought they worked for a qualifying employer and were confused when notified their employer did not qualify.
02
Low Program Awareness
Student loan borrowers often discovered the program too late or misunderstood its requirements.
03
Confusion About Qualifying Repayment Plans
Borrowers were not clearly informed on the payment plans eligible for loan forgiveness and what impact changing repayment plans would have on their qualifying payment.
04
Confusion Around Eligible vs. Qualifying Payments
Borrowers are confused on the definition of “eligible payment” and “qualifying payment" and the difference between them.
05
Limited Transparency
Progress tracking and eligibility checks left borrowers uncertain about their status.

02 Defining Our Vision

Journey Map

Collaborating closely with Product, Marketing, Functional, and Engineering teams, we developed a strategic plan to address the program's challenges over the coming years. I designed a detailed journey map that outlines both the current and future states of the PSLF program, serving as a strategic guide for its transformation.

User Flows

Before delving into the design phase, I created detailed user flows to outline the future PSLF application experience. These user flows allowed us to visualize and identify potential issues in the user journey early on, preventing unnecessary redesigns.

03 Design Ideation

Design Concepting & Reviews

Throughout this three-year project, I led the strategy and execution for creating over 350 screens, ranging from complex Axure prototypes that function like a real website to simple mockup concepts created in Sketch. These designs evolved significantly over time, informed by client design reviews, usability testing insights, and... policy updates 🫠.

Usability Testing

Throughout this project, I led over 35 usability testing sessions on future state designs, synthesizing insights to refine and enhance the overall design.

Snippets of UT Finding Reports

04 Design Solutions

Employer Eligibility Database

We developed a searchable database that allows users to verify their employer’s eligibility instantly, reducing confusion and ensuring accuracy from the start of the application process.

We also made the employer search tool publically available as a standalone feature, so you don't need to log into studentaid.gov to use it. Try out the PSLF Employer Search tool!

Digital Application Signatures

To streamline submissions, we implemented a digital signature feature that simplifies the authentication process, allowing both borrowers and their employers to securely sign and submit applications online.

Application Status Tracking

We developed a comprehensive tracking system, dubbed "My Activity", that monitors every aspect of a user’s student loan lifecycle. This system keeps applicants well-informed about the status of their applications, documents, and other key activities, enhancing transparency and reducing the need for customer service outreach.

I also led all the design efforts on bringing this product to life —Case study coming soon!

PSLF Payment Progress Tracker

We created a payment tracker that enables users to monitor their qualifying payments, providing a clear and transparent view of their progress toward loan forgiveness.

05 Outcomes

Customer satisfaction metrics increased across five critical areas: Overall Satisfaction, Ease of Completion, Time Efficiency, Clarity of Steps, and Understanding of Subsequent Actions. Additionally, there was a significant rise in the volume of PSLF application submissions.

I am still awaiting for additional data —As a government contractor, I don't have immediate access to all the data related to government programs.

Customer Satisfaction Metrics

+10%

Easy to Complete

+9%

Reasonable Time to Complete

+12%

Steps Were Clear

+12%

Overall  Satisfaction

Customer Quotes

Very simple and straightforward! The time I downloaded my form to the time it was electronically signed by my employer and sent for processing was less than a day!

The tool made it easy to complete the necessary information. Having the paperwork emailed to former employers for electronic signature was a great feature!

Less of a hassle submitting paperwork, especially providing the email/e-signature option for employer verification. The help tool is great now, way better than it was before!