Individual borrowers with high student debt and low incomes benefit from PSLF, but so do public service employers. Before PSLF began, turnover in government jobs and charitable organizations was very high. Employees often left after two years because they could no longer afford to work for the low wages paid by strapped cities and states and by most non-profit organizations. They had to move, reluctantly, to the private sector, just at the point at which they had been fully trained to do their jobs well and were most effective in serving their communities. PSLF has enabled these employers to retain essential, talented workers. After ten years in the public sector, many employees make a lifetime career of service work.