DWOQ partners with non-profit hospitals to provide clinicians, Housestaff and recruits with a student loan advocacy service to ensure that Public Service Loan Forgiveness (PSLF) is maximized during the tenure of employment, and that available rate reductions in the private marketplace are pursued when appropriate. 

As a starting point, recruits and employees begin the evaluation process by registering for a FREE “Salary Boost & Refinancing Suitability" Analysis. This analytical tool will help you determine the estimated value of PSLF in the form of a "Salary Boost" over the remaining years of employment required to achieve tax-free forgiveness. From here, you can register for a comprehensive DWOQ loan consultation to ensure that the recruit or employee’s action plan to date, and going forward, are designed to maximize savings.

If the suitability form determines that PSLF has little value based on the loan portfolio and financial profile, users will be able to begin the process of refinancing to lower rates immediately through this form. A DWOQ loan Consultant is always on hand to speak with you to help you determine the best course of action along the way.


If the suitability form DOES demonstrate substantial salary "boost" with PSLF, you can consider funding a Forgiveness Protection Plan (FPP) to cover accruing loan interest. Learn more about this offering as an employee benefit HERE.


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Non-Profit Hospital Employers: Maximizing Public Service Loan Forgiveness (PSLF) for Clinicians


Please contact Ina Burgdorf, Client Advocate, at INA@DWOQ.COM for credentials to access our resources and to learn how you and your clinicians can use our PSLF calculator.

We look forward to working with you as you seek to navigate a complex and evolving student loan marketplace.