Financial wellness benefits for public sector employees
When budgets are tight, every benefit has to work harder.
Make money easy
Turn your benefits into real value
Support the whole workforce
Let student loan stress come to our door—not yours.
Give employees personalized answers without asking your team to become repayment-plan experts.
Reduce one-off questions
Employees get a trusted place to start.
Smoother employment certifications
Certifications take less back-and-forth.
Make a hidden benefit visible
Employees see the value of their public-sector career.
From police officers to the treasury department
Arapahoe County wanted financial wellness support for a diverse workforce. Your Money Line gives employees a place to get help with everyday finances and complicated student loan questions.
See how Arapahoe County supports its employeesWhen student loans get complicated, employees need more than a search bar.
YML turns federal loan data into a clear view of where they stand, what needs attention, and what to do next.
“I don't understand my student loans.”
Financial Guides
Employees can access easy-to-understand articles and speak with a financial guide for confidential, one-on-one support with student loans, budgeting, debt, and other financial goals.
“What's the best way to pay off my debt?”
Debt Payoff Calculator
Employees can compare payoff strategies, see how extra payments affect their timeline, and build a personalized plan to become debt-free faster.
“What do my loans actually mean?”
Student Loan File Reader
Employees upload their federal student loan file to receive a personalized analysis that explains their loans, identifies repayment and forgiveness opportunities, and recommends next steps.
“Am I eligible for Public Service Loan Forgiveness?”
PSLF Courses & Checklists
Employees can explore articles, webinars, and step-by-step checklists to understand PSLF requirements, determine eligibility, and stay on track toward forgiveness.
YML student loan FILE reader
Help employees see a clearer path toward loan forgiveness
Public Service Loan Forgiveness (PSLF) can be a valuable opportunity for eligible employees. Understanding their loan details and progress is where personalized support helps. The Student Loan File Reader brings loan information into one view. A Financial Guide helps employees understand the results and discuss what to do next.
See the complete picture
Bring loan types, balances, repayment details, and PSLF information together.
Track real progress
Review qualifying payments and details that may need attention with a Financial Guide.
Catch issues earlier
Surface details that may need attention before more time or qualifying payments are lost.
Get human guidance
A Financial Guide helps employees understand their loan analysis and identify practical next steps.
A clearer picture of student loans. A clearer path forward.
The Student Loan File Reader uncovers details employees may miss, helping Financial Guides identify what needs attention.
325+
employee loan files analyzed
$19M+
in loan balances needing PSLF attention
66%
of employees off track for PSLF
Support that goes beyond student loans
1:1 FINANCIAL COACHING
Talk to someone who cares
All of our financial guides are Accredited Financial Counselors and/or Certified Financial Planner practitioners passionate about eliminating money stress.
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budgeting & INSIGHTS
Know where your money goes
Stop letting your hard earned money walk out the door. Easily track your spending, monitor your budget, and get smart suggestions on where to improve—before things start to add up.
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Credit & ID monitoring
Know before your borrow
Credit is key to borrowing money when you need it. Monitor your credit and identity for peace of mind in every aspect of your financial life.
Personalized Podcast
Listen to your money
Stay on top of your money, even when you’re busy. Your 4-minute personalized money podcast looks at your spending, credit, goals, how the news could impact your finances, and more.
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GOALS & ASSESsMENTS
Save for what matters.
Do you have big dreams? Stay motivated with goal tracking, personalized strategies, and encouragement—all based on your money personality.
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Education
Avoid money mistakes
Learn essential money skills at your own pace with hundreds of on-demand courses, videos, worksheets, and articles available only through Your Money Line.
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Tax filing
Get your taxes done for less
File your federal and state taxes, right within YML. With YML user-only pricing, it's cheaper (and easier) to check taxes off your list.
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STUDENT LOAN FILE READER
Make sense of student loans
Upload your federal student loan file to get a personalized analysis. Understand your loans, explore repayment and forgiveness opportunities (PSLF), and get clear next steps.
Learn moreFrequently asked questions
Okay, you're a little intrigued and want to know more? Dive in below.
What is a financial wellness program for public sector employees?
An employer-sponsored benefit that helps employees manage money through financial coaching, education, and a smart app.
What’s included in Your Money Line’s employee financial wellness program?
Unlimited one-on-one financial coaching, budgeting tools, credit monitoring, financial education, and student loan support, for employees at every life stage.
What student loan and PSLF support is available for public sector employees?
Financial Guides and the YML Student Loan File Reader help employees understand their loans, explore repayment and forgiveness options, and identify next steps.
Is employee financial coaching confidential?
Yes. Coaching is confidential, and employer reporting shows program usage and impact while protecting individual privacy.
What does a financial wellness program cost for a government agency or school district?
Pricing depends on your workforce size, package, and agreement terms. Public sector organizations may qualify for special pricing.
FOR mission-driven organizations
Preferred pricing for public sector employers.
Government agencies, school systems, healthcare organizations, and qualifying nonprofits may be eligible for preferred pricing.
Get public sector pricing quote