[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-306793-105":53,"doc-detail-306793-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","comment-on-proposed-revisions-to-the-temporary-expanded-public-service-loan-forgiveness-application-march-30-2020","Comment on Proposed Revisions to the Temporary Expanded Public Service Loan Forgiveness Application - March 30, 2020","","Letter dated March 30, 2020 commenting on proposed revisions to the Temporary Expanded Public Service Loan Forgiveness (TEPSLF) application, referencing PSLF and TEPSLF statistics and audit findings. The sender supports streamlining via a single form but argues the approach is overdue and insufficient to simplify borrower access. The letter cites denial rates, borrower confusion, missing TEPSLF information, inadequate appeal guidance, and mismanagement issues affecting qualifying payment counts and employer eligibility.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/comment-on-proposed-revisions-to-the-temporary-expanded-public-service-loan-forgiveness-application-march-30-2020/306793/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/comment-on-proposed-revisions-to-the-temporary-expanded-public-service-loan-forgiveness-application-march-30-2020/306793.png","ImageObject",442,249,{"name":88,"@type":89},"Noah","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-18","2026-09-19",true,{"@type":98,"interactionType":99,"userInteractionCount":47},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What change does the letter support regarding TEPSLF?","Question",{"text":108,"@type":109},"The letter supports the U.S. Department of Education’s plan to streamline TEPSLF by creating a single application form for TEPSLF and PSLF.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"What problem does the letter highlight with TEPSLF implementation?",{"text":113,"@type":109},"It argues the process is overly complex and confusing, with very high denial rates and insufficient borrower-friendly information.",{"name":115,"@type":106,"acceptedAnswer":116},"Why does the letter emphasize the need for an appeal process?",{"text":117,"@type":109},"It states that given the documented risk of denial errors and high denial rates, borrowers must know how to contest a denied TEPSLF application, including options that are not clearly described in denial letters.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},306793,1790466421,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":47,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":79,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":73},8796095462418,"https://ap-avatar.wpscdn.com/avatar/80000253c1241d02b47?x-image-process=image/resize,m_fixed,w_180,h_180&k=1778826106357471780","March 30, 2020  \nVia Federal eRulemaking Portal  \nSecretary Betsy DeVos  \nU.S. Department of Education  \n400 Maryland Ave. SW Washington, DC 20202  \nRE:  Comment on Proposed Revisions to the Temporary Expanded Public Service Loan Forgiveness Application, Docket No. ED-2020-SCC-0021, OMB Control No. 1845-0110  \nDear Secretary DeVos:  \nAs the Attorney General of the State of California, I write to support the proposal by the U.S. Department of Education (ED) to streamline the Temporary Expanded Public Service Loan Forgiveness (TEPSLF) application process through the creation of a single application form for TEPSLF and Public Service Loan Forgiveness (PSLF) . 1 This change, however, is overdue and does not go nearly far enough to simplify the application process.  \nPSLF and TEPSLF are in crisis. According to ED’s own data, as of December 31, 2019, essentially all PSLF applications—99%—have been denied by ED.2 As a result, only 1,565 public servants have had their loans forgiven through PSLF.3 This is a far cry from the broad relief Congress envisioned in creating PSLF.4  \nIn 2018, Congress gave ED a second chance to deliver on PSLF’s critical promise. Abipartisan group of lawmakers created TEPSLF, an expanded program to provide relief to public  \n1 Agency Information Collection Activities; Comment Request; Application and Employment Certification for Public Service Loan Forgiveness, 85 Fed. Reg. 5405 (Jan. 30, 2020) .  \n2 U. S. Dep’t ofEduc., Fed. Student Aid, December 2019 PSLF Report (Dec. 31, 2019), available at [https://studentaid.ed.gov/sa/about/data-center/student/loan-forgiveness/pslf-data](https://studentaid.ed.gov/sa/about/data-center/student/loan-forgiveness/pslf-data).  \n3 Id.  \n4 See Consumer Fin. Prot. Bureau, Staying On Track While Giving Back: The Cost Of Student Loan Servicing Breakdowns For People Serving Their Communities 20 n.34 (June 2017), available at [https://files.consumerfinance.gov/f/documents/201706_cfpb_PSLF-midyear](https://files.consumerfinance.gov/f/documents/201706_cfpb_PSLF-midyear)report.pdf (32 million borrowers were making payments on loans potentially eligible for PSLF atthe end of 2016) .  \nSecretary Betsy DeVos March 30, 2020  \nPage 2  \nservants who were denied PSLF.5 Astonishingly, ED is not implementing TEPSLF as intended by Congress either. Rather than quickly implementing a simple application that would get the authorized loan forgiveness to the intended recipients, ED has created a complex process and confusion. To date, ED has denied 95% ofTEPSLF applications.6 This is an immaterial and unacceptable “improvement” from ED’s abysmal PSLF denial rate.  \nCongress’s instructions to ED in the TEPSLF statute were clear: “develop and make available a simple method for borrowers to apply for loan cancellation.”7 Yet applying for TEPSLF is far from simple. In the words of the Government Accountability Office (GAO), ED has “not created a borrower-friendly TEPSLF process.”8 For instance, the GAO found that some of ED’s key online resources for borrowers do not include any information about TEPSLF.9 In addition, the GAO reports that ED does not inform borrowers how to contest a denied TEPSLF application.10 Although borrowers can request an additional review or file a complaint, ED does not mention these options in its denial letters. Given TEPSLF’s high denial rate and the documented risk of denial errors, 11 information on how to appeal is essential.  \nLikewise, the extremely low grant rate for PSLF is the result of ongoing mismanagement by ED. Per the GAO, ED has failed at basic tasks, such as providing borrowers with clear information about which employers qualify under PSLF and accurately counting qualifying loan payments.12 GAO has also found that ED’s outreach to borrowers has been insufficient, resulting in widespread borrower confusion about program requirements. 13 Shockingly, there are also reports that ED’s servicers have steered borrowers into taking actions that make them ineligible fo","cbCaipj355ufp1a6","https://ap.wps.com/l/cbCaipj355ufp1a6","pdf",182602,"English","# Key concerns about streamlining TEPSLF\n## High denial rates and unmet congressional intent\n## Borrower confusion and missing guidance\n## Appeal and contestation process gaps\n## Mismanagement affecting PSLF qualification","[{\"question\":\"What change does the letter support regarding TEPSLF?\",\"answer\":\"The letter supports the U.S. Department of Education’s plan to streamline TEPSLF by creating a single application form for TEPSLF and PSLF.\"},{\"question\":\"What problem does the letter highlight with TEPSLF implementation?\",\"answer\":\"It argues the process is overly complex and confusing, with very high denial rates and insufficient borrower-friendly information.\"},{\"question\":\"Why does the letter emphasize the need for an appeal process?\",\"answer\":\"It states that given the documented risk of denial errors and high denial rates, borrowers must know how to contest a denied TEPSLF application, including options that are not clearly described in denial letters.\"}]","Comment on Proposed Revisions to the Temporary Expanded Public Service Loan Forgiveness Application - March 30, 2020 | PDF",1789841299]