Employees who work at least 30 hours per week for a governmental, 501(c)(3) nonprofit, or other qualifying nonprofit organization may apply to have the balance of their student loans forgiven (tax free) after making 120 monthly payments. About Our Organization: Established in 1994, East Bay Innovations (EBI) is a nonprofit human services organization that supports people with developmental disabilities, such as intellectual disabilities, autism, and cerebral palsy.