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Saving Money
More Benefits to Help You Save

Note: The information on this page is a brief description of UW programs and other benefits. In case of any conflict between this description and official plan documents, provisions of the plan document will govern. Any of these plans may change or stop at any time. And don't forget to check out the UW Discount Program for additional savings.

Auto, Home and Renters Insurance

Faculty, staff, librarians, and retirees may be eligible to receive special discounted group rates on auto, home, and renter insurances through Liberty Mutual Insurance.

Credit Unions

The UW has partnered with two local credit unions to help you save more and better manage your finances: Inspirus (formerly School Employees Credit Union) and Washington State Employees Credit Union (WSECU). Both are full-service, not-for-profit financial cooperatives offering a comprehensive line of products and services with competitive rates, low or no fees, easy access, and a commitment to making your life easier.

Guaranteed Education Tuition (GET)

GET is Washington's 529 prepaid college tuition program. With GET, the State of Washington guarantees that the money you save for your child's college education will keep pace with rising college tuition. A UW payroll deduction is not available for this program at this time. Contact GET.

Husky Card™

The Husky Card™ is a convenient debit account all currently enrolled UW students, faculty, or staff can establish. It is accepted throughout campus and at the University Book Store and other local businesses. There are no annual fees or transactions fees and no minimum deposit. All deposits are 100% refundable.

Public Service Loan Forgiveness (PSLF) Program

Federal student loan forgiveness under the Public Service Loan Forgiveness (PSLF) Program encourages individuals to enter and continue to work full-time in public service jobs. UW, as both a state government institution and public university meets the federal requirement of a “public service organization” as defined on the PSLF website. Under this Federal program, you may qualify for forgiveness of the remaining balance due on your William D. Ford Federal Direct Loan Program (Direct Loan Program) loans after you have made 120 qualifying payments on those loans while employed full-time by certain public service employers. Since you must make 120 qualifying payments on your eligible federal student loans after October 1, 2007 before you qualify for the loan forgiveness, the first forgiveness of loan balances will not be granted until October 2017. Eligibility to participate in this public service loan forgiveness program is determined by the federal government and subject to its terms and conditions.

UW Benefits Office certifies employment for UW employees participating in the PSLF Program. If you are eligible to participate, take the following steps:

  1. Download the PSLF Employment Certification Form:
  2. Complete and sign page one (sections 1 and 2) only. Forward the completed first page and an uncompleted (blank) second page to UW Benefits, Campus Box 359556, Seattle, WA 98195-9556, or scan and attach both pages to an email addressed to
  3. An authorized offical from the UW Benefits Office will complete page 2 (sections 3 and 4) and return both documents to you.
  4. Once received, be sure to make a copy of this document for your records, then send the originals to the U.S. Department of Education at the address indicated in section 7 of the form.

Saver's Credit

You may be eligible for this tax credit if you make contributions to the UW Voluntary Investment Program (VIP) or to an IRA. It could reduce the federal income tax you pay dollar for dollar, depending on the contributions you make and your income level and filing status.

Tuition Exemption Program

The University of Washington offers the Tuition Exemption Program to all eligible faculty and staff on a space-available basis, subject to certain conditions.


A U-PASS is a complete transportation package, offering UW Seattle faculty, staff, and students full fare coverage on Metrof Transit, Community Transit, and Sound Transit buses and Sounder commuter train service; discounted parking when you ride or drive with someone else; free rides on the Night Ride Shuttle; subsidized vanpool fares; discount rates on Flexcar membership; and discounts at businesses. Harborview, UW Bothell, and UW Tacoma have fiscally separate programs with similar but not identical benefits. Temporary staff are issued a UW FlexPass rather than a U-PASS.

U.S. Savings Bonds

Payroll savings allows you to buy Savings Bonds with automatic, regular allotments. U.S. Savings Bonds are among the best savings instruments on the market.

Voluntary Investment Program

The VIP is a tax-deferred retirement savings program available to any employee of the University of Washington except students whose wages are exempt from FICA and nonresident aliens who receive no U.S.-source earned income. Academic Student Employees covered by a bargaining agreement that provides for their participation may participate regardless of whether or not they are exempt from FICA. It is not necessary to be in one of the basic retirement plans to use the VIP, and you may enroll at any time.