Education Assistance
How Education Assistance Works
Every employee enrolled with PeopleJoy is paired with a dedicated coach for the life of their engagement — not a support ticket queue, a professional relationship.
PSLF
Public Service Loan Forgiveness Assistance
PeopleJoy helps nonprofit hospitals, health systems, and public sector employers administer Public Service Loan Forgiveness (PSLF) for their employees. Unlike services that are either people-heavy with no technology to scale, or technology-heavy with no one to actually pick up the phone, PeopleJoy pairs proprietary technology with a dedicated human coach for every employee. PeopleJoy has secured over $100 million in student loan forgiveness, with a 99% PSLF approval rate across all managed employees — while reducing employer administrative burden by up to 90%.
$100M+
Secured in student loan forgiveness for employees
99%
PSLF approval rate across all managed employees
90%
Reduction in employer administrative burden
PSLF
Public Service Loan Forgiveness Assistance
PeopleJoy helps nonprofit hospitals, health systems, and public sector employers administer Public Service Loan Forgiveness (PSLF) for their employees. Unlike services that are either people-heavy with no technology to scale, or technology-heavy with no one to actually pick up the phone, PeopleJoy pairs proprietary technology with a dedicated human coach for every employee. PeopleJoy has secured over $100 million in student loan forgiveness, with a 99% PSLF approval rate across all managed employees — while reducing employer administrative burden by up to 90%.
$100M+
Secured in student loan forgiveness for employees
99%
PSLF approval rate across all managed employees
90%
Reduction in employer administrative burden
$100M+
Secured in student loan forgiveness for employees
99%
PSLF approval rate across all managed employees
90%
Reduction in employer administrative burden
Coaches learn an employee's financial habits, household situation, and goals. Well enough to catch the details that change a forgiveness calculus before they become problems: a new dependent, a change in income, a spouse's shifting employment.
PeopleJoy doesn't wait for employees to ask for help
Coaches proactively monitor servicer communications, conduct form audits, and assist with servicer calls. When federal loan policy shifts — as it has repeatedly in recent years — PeopleJoy reaches out directly rather than waiting for employees to find the news themselves.
PeopleJoy covers the complete range of student loan situations connected to PSLF
Income-driven repayment plan optimization
Employment Certification
Default Resolution
Loan Rehabilitation
Federal Consolidation
Spouse and Dependent Loan Guidance
This breadth is built on 10 years of proprietary data, allowing PeopleJoy to identify the right path for each employee rather than defaulting to a one-size-fits-all approach.
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CFP
College Financial Planning Assistance
Starting July 1st 2026, the government significantly cut how much graduate students can borrow for school — down to $100,000 total, and one of the main loan programs graduate students relied on has been eliminated altogether. Many healthcare graduate programs (like those for nurse practitioners) don't qualify for the higher borrowing limits given to fields like medicine and law.
$100,000
New total borrowing cap for graduate students
$20,000 / yr
Parent PLUS cap per academic year, per student
$65,000
Lifetime Parent PLUS borrowing cap, per student
While undergraduate student loan limits are untouched, Parent PLUS loans are now capped at $20,000 per academic year, per student. There is also a lifetime borrowing cap of $65,000 per student for Parent PLUS loans.
This means many of your employees and their dependents will hit a real funding gap that federal loans can no longer close — which makes it a good time to speak with a coach.
Estimate your savings goal, Incorporate your savings goal into your financial strategy
Develop a financial plan for college and minimize stress and debt. You'll learn about the FAFSA, financial aid, how to get scholarships, and how to find colleges that fit your family's budget. Understand the average net cost for college (what a family actually pays). Use your budget to set a college savings goal. Reevaluate your goal and progress each year.
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CFP
College Financial Planning Assistance
Starting July 1st 2026, the government significantly cut how much graduate students can borrow for school — down to $100,000 total, and one of the main loan programs graduate students relied on has been eliminated altogether. Many healthcare graduate programs (like those for nurse practitioners) don't qualify for the higher borrowing limits given to fields like medicine and law.
$100,000
New total borrowing cap for graduate students
$20,000 / yr
Parent PLUS cap per academic year, per student
$65,000
Lifetime Parent PLUS borrowing cap, per student
$100,000
New total borrowing cap for graduate students
$20,000 / yr
Parent PLUS cap per academic year, per student
$65,000
Lifetime Parent PLUS borrowing cap, per student
While undergraduate student loan limits are untouched, Parent PLUS loans are now capped at $20,000 per academic year, per student. There is also a lifetime borrowing cap of $65,000 per student for Parent PLUS loans.
This means many of your employees and their dependents will hit a real funding gap that federal loans can no longer close — which makes it a good time to speak with a coach.
Estimate your savings goal, Incorporate your savings goal into your financial strategy
Develop a financial plan for college and minimize stress and debt. You'll learn about the FAFSA, financial aid, how to get scholarships, and how to find colleges that fit your family's budget. Understand the average net cost for college (what a family actually pays). Use your budget to set a college savings goal. Reevaluate your goal and progress each year.
What Employers Get
PeopleJoy's employer partners receive a real-time portal with engagement metrics and satisfaction scores, quarterly reporting on utilization and forgiveness achieved, dedicated account management, and communications support tailored to their workforce. Pricing is success-based: employers pay only for employees actively using the program.
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