Please note that PenFed student loans are private loans and therefore not eligible for the federal forgiveness program.  The federal forgiveness program will be administered by the Department of Education and will only apply to federal student loans. While your original student loan may have been a federal student loan, when you refinanced with PenFed, your current loan became a private student loan. PenFed provides detailed disclosures on our loan application that reinforce your loan may not be eligible for federal programs once it is refinanced with us.
If there are any further questions or concerns, please reach out to StudentLoans@penfed.org.