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PeopleJoy Homepage Header Image Financial Freedom with PSLF and TEPSLF Support

Real People.  Real Results. $83K in Loan Forgiveness

Meet Jacquie H. One aspect of PeopleJoy’s service that she’s excited about is our ability to help our customers navigate complex federal student loan forgiveness programs.

“Making this (forgiveness) a reality!”

When I graduated from medical school, PSLF was a relatively new program and seemed too good to be true. I continued my monthly payments but did not have an understanding of what needed to be done to enroll in the PSLF program. The process seemed overwhelming, but when I connected with PeopleJoy, they did a great job explaining the steps of enrolling and applying for loan forgiveness. Over the course of 2 years, PeopleJoy worked with me to consolidate my loans to make them eligible for forgiveness, submit Employment Certification Forms, and contact FedLoans to receive credit for the appropriate payments. When the time came to apply for forgiveness, PeopleJoy was instrumental in getting the paperwork completed in a timely manner. A few weeks after applying, I received forgiveness of over $200,000 in medical school loans. Thank you PeopleJoy for making this a reality!

SC, Assistant Professor, Children’s Hospital of Philadelphia

“Reach out to PeopleJoy for assistance. It could be life changing!”

Shortly following my initial request for a review, I was contacted by a representative from PJ who advised me that Congress created the Temporary Expanded PSLF program, and that with some tweaks to my current repayment plan, some additional paperwork, and some patience that I would likely be eligible for forgiveness. While initially not optimistic that this would work out, I signed on with PJ to facilitate these changes and to monitor my progress in the application and review process with FedLoan. I had to do minimal work in the entire process – PJ handled it all! Ultimately, after about 16 months of patiently waiting, with updates from PJ throughout, I received notification that my TEPSLF application had been approved and my remaining $110,000 of student loans had been forgiven! I am relieved that my loans have been forgiven and sincerely thankful for the insight, patience, and effort that Kevin Porath and colleagues at PeopleJoy expended on my behalf. I would highly recommend anyone with student loan debt to reach out to PeopleJoy for assistance. It could be life changing!

Eric R., Residency Programs Director in Pediatric Cardiology at the Children’s Hospital of Philadelphia

“You have quite literally changed my life.”

Now that I am finally calmed down and accepting my new reality as a DEBT-FREE person I wanted to take a minute to say thank you to everyone at PeopleJoy. From my initial interview with Steven to follow up phone conversations with Isabella, you all turned a complex, overwhelming and honestly dehumanizing process into a manageable task. At the beginning I thought I might be eligible for maybe $17,000 off my loans for my service as a teacher but I was demoralized from stories I had heard friends tell of applying multiple times only to be rejected over technicalities. I remember speaking to a colleague as he faxed in his 8th application during his prep period and wondering if I would ever have the time and dedication to do the same. Little did I know that just 12 months and a few easy to complete forms later, I would be forgiven ALL of my $57,000 loan AND receiving a refund for overpayment. When I looked at the FedLoan website and saw a balance owed of $0, I felt like I had won the lottery. I am so grateful to all of the staff at PeopleJoy for making this happen for me, and in such a painfree manner. You have quite literally changed my life.

Joanna S.

A Primer on Student Loan Debt…

A Federal Loan is money that you have borrowed from the U.S. Government.

A Private Loan is money that you have borrowed from a bank or credit union.

Your monthly payment includes your principal balance and interest.

Principal is the remaining amount of money on your loan.

Interest is the fee the lender charges you to borrow the money. This fee changes depending on your specific interest rate.

A Servicer is the company that collects your payments. Your lender and servicer can sometimes be the same institution, but most of the time they are not.

PeopleJoy’s tool provides quick, simple, no-nonsense guidance

Meet PeopleJoy’s Ed

Your personal student loan assistant in your back pocket.

Sponsored by your employer.

How It Works

 

01

Digital Assessment

Ed, our interactive AI bot, walks you through a series of questions to determine your eligible programs. 

02

Programmatic Implementation

Ed will be able to help you with completing the forms required to apply for each program. PeopleJoy will submit all the paperwork for Federal and State programs for you. No more confusing paperwork. We make sure you meet all enrollment and annual recertification deadlines.

03

Regular checkups

PeopleJoy covers all bases when it comes to follow-ups and support.

Reviews from employees…

  • “Without PeopleJoy the process would have been too cumbersome for me to tackle”

    I’ve been paying student loans for 16 years and was resigned to paying them for another 14. When I heard about PeopleJoy I was wary that they would be able to help. Wariness turned to cautious optimism and then 6 months later I got notified the remainder of my 22 grand was forgiven. PeopleJoy handled the seemingly endless paperwork for me, all electronically and knew how to navigate the process. Without PeopleJoy the process would have been too cumbersome for me to tackle given that I already work full time. Special shout out to Isabella Mireles who was patient, understanding, focused, reassuring and knew my case thoroughly.

    Ryan Brown

  • “Thanks PeopleJoy!”

    A supervisor PeopleJoy found at MOHELA just called me back to say they had found the old Aspire payment records Fedloan was looking for to certify my payments for PSLF had not been sent previously and MOHELA sent them to Fedloan today. It looks like my 2 plus years of waiting on getting 48 payments certified is close to being resolved. Thanks PeopleJoy!

    Antoinette P., Manager, The Children's Hospital of Philadelphia

  • “I’m ridiculously happy”

    Let me tell ya—I’m ridiculously happy with the results PJ has provided thus far and during the entire process with the app. process (looking at you, Emeka, Steve, and Angie!! Thank you all so much!!!)

    I highly highly recommend for others to sign up with PJ so should they need, with a focus on highlighting the fact of the process where PJ really drives home application approval and how the gov’t. tries to deter those from using the program by intentionally or unintentionally making difficult the approval process. Whether that’s true or not, a headache saved is peace of mind earned. For me, this was the deciding factor. How else would the public know that fact? So on that note, I appreciate the education! Very very much! I can actually breathe a little easier (the first time since being out of school). Didn’t think it was possible at first, but I commend you all as a fellow citizen but more so as a fellow human being. Freedom matters to me, as I’m sure it does many, and tbh, this amt. of feedback truly truly does not do any close amount of justice to fully capture the whole scope of how PJ and (let’s be honest) other legit SL relief programs and yours help to fulfill that side of life that others can achieve but may not know how, you know? Conviction and testimony. They’re real! Thank you, Kevin, and everyone over there at PJ! Please stay safe, and take care everyone!! 😃

    Justin S., BAYADA

  • “Everything you need to ensure you’re making the most cost-effective decisions”

    Emeka Oguh is the CEO of PeopleJoy who really understands the rules and nuances of student loan repayment. He is a really bright, thorough, and polite guy who is a pleasure to work with—pretty much everything you need to ensure you're making the most cost-effective decisions possible!

    Marc P., Pediatric Dental Resident, St. Christopher’s Hospital for Children

  • “I would highly recommend the team at PeopleJoy if you want to regain control of your student loan debt.”

    Thanks to PeopleJoy, I found out that I qualified for repayment programs that significantly reduced my monthly payments. Emeka Oguh and Kevin Porath were knowledgeable about student loans and the repayment process and were diligent in speaking on my behalf with my lenders. I would highly recommend the team at PeopleJoy if you want to regain control of your student loan debt.

    Kadiatu S., FIR Case Management Supervisor at Public Health Management Corporation

  • “Thank you, PeopleJoy!”

    I had no idea that I was eligible for forgiveness programs or a lower monthly payment until I worked with PeopleJoy. They provided such clear instructions, and the team at PeopleJoy were so quick in getting back to me and caring in their communications. It was something that I really appreciate. The difference in the amount of my monthly loan payments is significant and gives me more general financial freedom and confidence. I would absolutely recommend them. Thank you, PeopleJoy!

    Lauren G., Manager of Membership & Administration at Greater Philadelphia Cultural Alliance

  • “PeopleJoy has helped me tremendously.”

    PeopleJoy helped me to get a lower interest rate and better terms on a Parent PLUS loan. I’ve gotten so much out of the professional advice and guidance of the PeopleJoy team, and the response times from the staff are amazing. PeopleJoy has helped me tremendously, and I would recommend them to anyone who needs help with their student loans.

    Kyle K., Mortgage Advisor at Finance of America Mortgage LLC

  • “The best part was how simple the process was.”

    Thanks to PeopleJoy, I now pay $0 for the next two years and will save thousands through interest subsidies in the long-run. The best part was how simple the process was - I was able to complete the survey during my lunch break and get my questions answered in minutes by vetted professionals in the student loan industry. PeopleJoy has saved me money and has educated me along the way. 5 Stars.

    Kevin M., Compliance Analyst for Republic Bank & Trust Co.

  • “People Joy provided me with much needed relief.”

    Peoplejoy has been helpful in assisting me by consolidating my loans into one loan and reducing my loans by almost half the cost. Peoplejoy worked with my busy schedule to set up meeting times to have any questions answered. They also consolidated the required paperwork making it easy to fill out. I was very concerned about having a big payment each month for my loans and with their service but they provided me with much needed relief.

    Anthony E., College Retention Specialist at Queens Community House

Reviews from employees…

  • “Without PeopleJoy the process would have been too cumbersome for me to tackle”

    I’ve been paying student loans for 16 years and was resigned to paying them for another 14. When I heard about PeopleJoy I was wary that they would be able to help. Wariness turned to cautious optimism and then 6 months later I got notified the remainder of my 22 grand was forgiven. PeopleJoy handled the seemingly endless paperwork for me, all electronically and knew how to navigate the process. Without PeopleJoy the process would have been too cumbersome for me to tackle given that I already work full time. Special shout out to Isabella Mireles who was patient, understanding, focused, reassuring and knew my case thoroughly.

    Ryan Brown

  • “Thanks PeopleJoy!”

    A supervisor PeopleJoy found at MOHELA just called me back to say they had found the old Aspire payment records Fedloan was looking for to certify my payments for PSLF had not been sent previously and MOHELA sent them to Fedloan today. It looks like my 2 plus years of waiting on getting 48 payments certified is close to being resolved. Thanks PeopleJoy!

    Antoinette P., Manager, The Children's Hospital of Philadelphia

  • “I’m ridiculously happy”

    Let me tell ya—I’m ridiculously happy with the results PJ has provided thus far and during the entire process with the app. process (looking at you, Emeka, Steve, and Angie!! Thank you all so much!!!)

    I highly highly recommend for others to sign up with PJ so should they need, with a focus on highlighting the fact of the process where PJ really drives home application approval and how the gov’t. tries to deter those from using the program by intentionally or unintentionally making difficult the approval process. Whether that’s true or not, a headache saved is peace of mind earned. For me, this was the deciding factor. How else would the public know that fact? So on that note, I appreciate the education! Very very much! I can actually breathe a little easier (the first time since being out of school). Didn’t think it was possible at first, but I commend you all as a fellow citizen but more so as a fellow human being. Freedom matters to me, as I’m sure it does many, and tbh, this amt. of feedback truly truly does not do any close amount of justice to fully capture the whole scope of how PJ and (let’s be honest) other legit SL relief programs and yours help to fulfill that side of life that others can achieve but may not know how, you know? Conviction and testimony. They’re real! Thank you, Kevin, and everyone over there at PJ! Please stay safe, and take care everyone!! 😃

    Justin S., BAYADA

  • “Everything you need to ensure you’re making the most cost-effective decisions”

    Emeka Oguh is the CEO of PeopleJoy who really understands the rules and nuances of student loan repayment. He is a really bright, thorough, and polite guy who is a pleasure to work with—pretty much everything you need to ensure you're making the most cost-effective decisions possible!

    Marc P., Pediatric Dental Resident, St. Christopher’s Hospital for Children

  • “I would highly recommend the team at PeopleJoy if you want to regain control of your student loan debt.”

    Thanks to PeopleJoy, I found out that I qualified for repayment programs that significantly reduced my monthly payments. Emeka Oguh and Kevin Porath were knowledgeable about student loans and the repayment process and were diligent in speaking on my behalf with my lenders. I would highly recommend the team at PeopleJoy if you want to regain control of your student loan debt.

    Kadiatu S., FIR Case Management Supervisor at Public Health Management Corporation

  • “Thank you, PeopleJoy!”

    I had no idea that I was eligible for forgiveness programs or a lower monthly payment until I worked with PeopleJoy. They provided such clear instructions, and the team at PeopleJoy were so quick in getting back to me and caring in their communications. It was something that I really appreciate. The difference in the amount of my monthly loan payments is significant and gives me more general financial freedom and confidence. I would absolutely recommend them. Thank you, PeopleJoy!

    Lauren G., Manager of Membership & Administration at Greater Philadelphia Cultural Alliance

  • “PeopleJoy has helped me tremendously.”

    PeopleJoy helped me to get a lower interest rate and better terms on a Parent PLUS loan. I’ve gotten so much out of the professional advice and guidance of the PeopleJoy team, and the response times from the staff are amazing. PeopleJoy has helped me tremendously, and I would recommend them to anyone who needs help with their student loans.

    Kyle K., Mortgage Advisor at Finance of America Mortgage LLC

  • “The best part was how simple the process was.”

    Thanks to PeopleJoy, I now pay $0 for the next two years and will save thousands through interest subsidies in the long-run. The best part was how simple the process was - I was able to complete the survey during my lunch break and get my questions answered in minutes by vetted professionals in the student loan industry. PeopleJoy has saved me money and has educated me along the way. 5 Stars.

    Kevin M., Compliance Analyst for Republic Bank & Trust Co.

  • “People Joy provided me with much needed relief.”

    Peoplejoy has been helpful in assisting me by consolidating my loans into one loan and reducing my loans by almost half the cost. Peoplejoy worked with my busy schedule to set up meeting times to have any questions answered. They also consolidated the required paperwork making it easy to fill out. I was very concerned about having a big payment each month for my loans and with their service but they provided me with much needed relief.

    Anthony E., College Retention Specialist at Queens Community House