Public Service Loan Forgiveness Resources

PSLF Program

The Public Service Loan Forgiveness (PSLF) program is run through the U.S. Department of Education and forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.

Community College of Philadelphia is a qualifying employer, and both Faculty and Classified Staff are eligible for loan forgiveness.

PSLF Waiver

Time-limited changes to Public Service Loan Forgiveness (PSLF) Program rules allow borrowers to receive credit for past periods of repayment that would otherwise not qualify for PSLF. The changes end on Oct. 31, 2022.

CCP EMPLOYEE PSLF Process

Here is the Application for Public Service Loan Forgiveness for Employees (downloadable PDF format)

At CCP, Christna Enoch in Human Resources is the primary contact for the PSLF program.

***Please email Christna at cenoch@ccp.edu with any questions or concerns about your application***

Christna has offered us some helpful tips for filling out your PSLF application, as shared below.

Tips and best practices for filling out your PSLF Application

(per Christna Enoch, CCP Human Resources, August 2022)

Fill out only page one of the application. Sign and date the form in your hand-written signature otherwise known as a "wet" signature and not the Adobe software generated signature
It is best to submit the application in PDF format whenever possible. As the employer verifier, Christna Enoch will complete ALL of page two. The completed application is then faxed directly to FedLoan. Upon successful confirmation of receipt, Christna will return the original application via mail or interoffice mail.
Submit the form by signing and dating the application in your handwritten signature and not the computer-generated signature/typed date, per the signing requirements seen on the right
Some of the barriers to processing the application that will result in a rejection of the submission include:
- - - blank application submissions
    - failing to sign the form,
    - or signing the form but not dating the form,
    - or using the cursive signature in Adobe to sign the form

The application will have to be re-submitted if it contains any of these errors.

Some people may be concerned with sending the form containing their social security number. As a HR team member, Christna has clearance to view confidential information and she treats all information confidentially as mandated by the policy and procedures of the college.

Some members may think the application was not submitted because they're not seeing updates in the FedLoan payment system. CCP is only responsible for the submission, not payment updates.

As you may know, FedLoan is in the process of converting their loan workload to Mohela. The conversion began in July 2022 and will continue until September 2022. FedLoan is 30 to 90 days behind in processing and submissions may not update immediately - members should not contact HR to request additional submissions.

As a part of the conversion, loans will be verified by FedLoan first, then transferred automatically to Mohela if selected as the new servicer (I believe there is verbiage on the first page of the application that says loans may be transferred).

Finally, expected turnaround time: Human Resources are currently processing applications from current and former employees. Part-time applications require additional processing time due to research on the stop and start work dates.
Some members whose loans were transferred from FedLoan to Mohela expressed concern about the ability to view their payment history in Mohela. It is advised to take a screenshot, cellphone photo, or use the snipping tool to capture the payment history screen in FedLoan as soon as possible. Once the loans are transferred there's no longer a history to review in FedLoan.

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