Never got a notification for Mohela and can’t my anniversary date on student aid. The dashboard tell me I have no loans or grants but I see my tracker. I’ve looked everywhere and don’t see any loans.

Mohela says repayment on ICR ends 3/27/2025. Haven’t recertified yet. I don’t want to lose my ICR plan. Can anyone give me advice on how to proceed?

Weeks or days? Wet signature doc uploaded directly to Mohela last week. Thank U

I was originally going to be be at 120 by June of this year before all of the lawsuits. When June comes around, to apply for buyback, do I have to wait until July to apply?

Just got my processing forbearance!!!! Has anyone received a bill with their first IBR based payment yet? 118/120 here and ready to give them my $$$!

Asking for my Aunt who utilized PSLF 6 months ago. Would she still be able to take a voluntary early retirement VERA from the federal government if offered it during a reduction in force RIF. She read online if your agency paid off a loan and you still owe time in service back to them, you wouldn’t be able to use VERA. But she can’t find anything that addresses using PSLF and then VERA.

I applied to switch from SAVE to PAYE on 12/20/24 on FSA. I received an email a couple of days after saying that MOHELA had received my application but it said nothing about processing forbearance. I keep reading about others saying they applied a second time directly on the MOHELA website, but when I go to do that, there is specific wording that says to not apply if you already requested to change plans on the federal student aid website. I’m nervous if I apply again today on Mohela my first application to fsa will be kicked out of whatever queue I’m in. I’m 105 payments in and just want to get the ball rolling with making payments.

My questions: has anyone been able to change their payment plan by only applying to FSA? If so, how long did it take?

If you uploaded your IDR app to MOHELA with a wet signature did you have your spouse sign? I last filed my taxes single and haven’t filed married yet, so it didn’t ask for my spouse’s signature but there is a blank line so just checking what others did. If you had your spouse sign what date did you put for their signature?

Alt National Park Service just mentioned that a bill was introduced to eliminate the department of education. What would happen to our PSLF counts or loans in that case?

Haven’t switched out of the forbearance, my monthly payments are low so was hoping to save and ride that out until there is more clarity, but concerned. Not to be an alarmist just trying to find clarity - would that force us to repay private lenders (who in my experience never reduce repayment terms)? What would happen to PSLF?

My payment count has finally updated to 120 on the FSA website. Do I need to submit anything to Mohela to get my loans discharged?

Currently sitting tight in save, understanding that ultimately I will have to switch into IBR. My husband is a high earner with no loans. We plan to file separately so that his income isn’t counted when calculating how much I owe. Do they use spousal income in determining eligibility? Could trump change IBR to make it count spousal income?

Is everyone switching over? I was on SAVE and had about 100 payments before the forbearance. My income Is much higher than it has been in the past so the payments I was supposed to make are much lower than they would be if I submit new forms to switch to another plan. Is anyone waiting it out? Does it only make sense to switch?

Got the green banner how long until I get the golden letter?

I received the golden letter on 10/4. The letter said my servicer would discharge my loans in 30 business days. Four months later and NOTHING. I called Mohela a few weeks ago and they stated that they have nothing from student aid indicating that I’m eligible for discharge. Everytime I call student aid, I get a different response. One person told me my loans would be discharged THAT DAY. That was back in December. The last few people I spoke to said to be patient… but they’re the ones who said 30 days?! I’ve filed a complaint on student aid and got a nonsensical response about needing 120 payments first and submitting a final ECF. Huh?!

I keep seeing others get discharged within days of receiving their golden letter. Meanwhile I’m still sitting here with this massive (120k) debt with no answers.

Is anyone else from 10/4 still waiting? Any insight?

I was transferred from Mohela to EdFinancial last summer. EdFinancial shows my payment history from then til present, but nothing has carried over from before the switch. I can’t login to my old Mohela, as it’s registering I no longer have an active account with them. Any advice on how I can see all of my payment history??

Thank you!

Hi all! I just logged into my FSA account and this is now showing within “my aid”:

IDR End of Payment Term

2 loans in IDR 0 remaining payments

Please tell me this means something good!?? Has anyone else received this?

Hi all. I don’t see my recertification date anymore on studentaid.gov (not even seeing my loans anymore) and Mohela just says estimated repayment end date 3/27/2025 which is not correct.

Mohela has not contacted me yet to let me know about the recertification date yet I’m worried to wait.

Any advice on how to proceed? I thought I’d get a 60 day notice.

I’m on an ICR plan.

Thanks.

My recertification for IBR due date is 2/15/25. I submitted recertification application back in Dec 16 2024. Whenever I call Mohela, they said they received it and it will take 90 business days to process. I really dont think they will process mine before my anniversary date of 3/17/25. Should I call them to put in forebearance or do they put in forebearance if they cannot complete it on time?

I applied for IBR from SAVE on 1/27/25. I received a letter from MOHELA confirming that they received my application and my loans will be in processing forbearance, which will be backdated to 1/27. The letter also confirmed that I will receive credit for PSLF during this time, but applications are taking a while to fully process. I printed the application (which is the non-expired form), filled everything out by hand, selected IBR plan specifically/begin making payments immediately/move to a different IDR plan, signed it ("wet signature), and uploaded directly to MOHELA website on 1/27/25.

I previously submitted an application from studentaid.gov on Dec 2, 2024, and I nothing happened, even though I contacted MOHELA (email and phone) several times, filed complaints with MOHELA and CFPB. MOHELA asked CFPB for another 60 days to respond to my request in January, and I have heard nothing since.

As with others, interest has continued to accrue on my account during the SAVE forbearance.

First post in Reddit, desperate for help, or at least a sanity check. I'm so defeated, stuck, and shocked at the studentaid Ombudsman responses.

1)Request switch to IBR? 2)Wait in SAVE? 3)Request switch to standard plan?

1. 119/120 months counted, 08/15/2025 would have been 120 but forbearance as of 08/01/2025 because of SAVE injunction. Studentaid has BSd me for months, I escalated to Ombudsman, they said all you have to do is ask to switch to IBR and get your last month. Problem is, the loan simulator says I'm not eligible for IBR. Ombudsman passes buck and not helpful. ED Inspector General points back to studentaid. Ombudsman says it's not just the month counting but need to make one more payment, MOHELA SV says just need to wait the month, no payment necessary, Ombudmsan won't address discrepancy. They essentially allege they cannot evaluate faulty information provided by their contractors.

2. ED email says only IBR will count for forgiveness, so even if you reach 120 under SAVE, ICR, PAYE there will be no forgiveness until further notice. Studentaid also says processing of plans based on "lowest monthly payment" is paused. Ombudsman won't address discrepancy. Do you think time to process plan switches will be faster than SAVE injunction resolution?

3. Loan simulator says my standard payment would be $22,000/month. Has anyone had similar issues with the simulator, is it reliable, can MOHELA give us more accurate estimates?

Already escalated to studentaid ombudsman, filed complaints with ED inspector general, attorney general of Maryland, and MD higher education commission. Cannot find attorney to help.

I uploaded my application directly to MOHELA website on 1/27 and received letter today (2/2) from MOHELA confirming I’m in processing forbearance.

I am in SAVE forbearance and applied directly to IBR. I did a “wet signature,” completed everything in the app by hand, made sure the form I used wasn’t expired, and asked to be removed from forbearance by making payments immediately once I’m in my new plan.

I applied Dec through the student loan website, and it’s crickets ever since, despite complaints, calling, and emailing .

Logged in today to see my awaiting form administrative forbearance ended 1/31, now have payment due 2/16, loan status is in repayment per MOHELA. I should be in a general forbearance since they're not processing SAVE applications.

Timeline:

Consolidated before 6/30 and applied for SAVE; processing forbearance ended 10/31, placed in general SAVE litigation forbearance 11/3 or so, then received notice of payment due 2/16 in december/january.

Already wrote to mohela, submitted feedback on FSA (which says my post-consolidation loans are in forbearance, payment due 3/2/25), and submitted CFPB complaint weeks ago.

What the hell do i do now, call them and ask for another processing forbearance?

After following these instructions... Thank you u/Dazzling_Lemon_8534

Step-by-step IDR switch application to upload onto Mohela

byu/Dazzling_Lemon_8534 inPSLF

I received a letter from Mohela stating that I am in a 60-day forbearance which counts towards PSLF starting 1/26/25. My payment is "normally" due to Mohela by the 13th of every month. Should I wait until Feb. 14th to submit a new ECF? I want to ensure I hit that 120/120 and don't want to jump the gun. Thanks!

Complex situation here, bear with me.

In undergrad, the max amount of direct federal loans I could borrow did not entirely cover the cost of my tuition. My mom agreed to borrow some parent plus loans for me, with the understanding that I would be financially responsible for paying them off, despite them being under her name.

Fast forward to now- I am in my last semester of graduate school, with ~98k in federal loans under my name, plus the additional ~13k in parent plus loans my mom took out. My plan is to pursue PSLF, but since the ~13k in parent plus loans are not under my name, I’m unable to work towards PSLF for them. Even worse, when they enter repayment my understanding is that my payments will be based off my mom’s income (not my own) and won’t even take into account that I’m already paying the full amount of what I can afford based off the IDR plan towards my ~98k debt.

I am worried that if I “keep” the ~13k in parent plus loans, I will be struggling to make payments on both piles of debt, and will be losing out on any PSLF benefits for the parent plus amount.

Because I worked and did pay a significant amount out-of-pocket for my graduate school education this year, I am still eligible to borrow another ~$11k in graduate plus loans this semester. This means I could technically borrow that additional loan money to “reimburse myself” for my OOP school costs, and then redirect that money towards paying off the parent plus loan almost in it’s entirely. The net result is me essentially “exchanging” my parent plus loans for a graduate plus loan, which would be under my own name, have payments based off my own income and broader IDR plan, and be PSLF eligible. The major downside of this is that the graduate plus loans currently have an absolutely disgusting interest rate of 9.08%, whereas the parent plus loans are sitting at 7.6%/ 7.08%.

I am beyond confused on what is the best decision here, and would really appreciate some advice. My parents have never been any sort of help with these sort of things, and I’m navigating them entirely alone. If it helps, the average starting salary for my career path is ~$82k.

I got my loans forgiven through PSLF about two years ago and they were removed off my credit report.

I went on credit karma and see under the “what’s changed” section that it says “Mohela/Dofed account number changed”….

Is this something I should worry about?

For those of you who managed to get the 60-day processing forbearance from MOHELA, how long did it take for FSA to recognize that new forbearance status in your PSLF count?

I owe 30k in both subsidized and unsubsidized direct loans. I currently make payments on a level repayment plan. My monthly payments are very manageable for me (325/month) and I am steadily employed by a nonprofit organization with a monthly take-home pay of about 2.3k. I’ve been asked by several people if I would take advantage public service loan forgiveness since it’s reasonable to assume I will continue working in the nonprofit sphere for the foreseeable future. Since my monthly repayment is low, I feel like that would be needlessly risky for me to consider. However, my income is low, especially compared to my cost of living, and if I continue working in this field it’s unlikely my income will increase significantly in the next 10 years. I’m married and am able to depend on my spouse’s stable and slightly higher income for stability.

The only major financial goal we have is to pay off my student loans and hopefully someday buy a home. The home buying feels very out of reach right now, though I would be willing to make a number of sacrifices if we did come across an opportunity to buy a home we loved. My spouse’s career also presents more opportunities for advancement and pay increases, though the job market in her area of expertise has taken an enormous hit with the federal spending freeze.

I feel like I can keep chipping away at this dept without hardship, but I also don’t see any opportunity to meet any of my long-term goals. I’m also risk-adverse and comfortable living below my means.

I know there’s not enough information here for anyone to give me precise advice, but I’d love to hear what thoughts or advice does come to mind for you when considering my general situation.

Can anyone weigh in on whether or not income recertification is still due if I have submitted a final ECF and confirmed 120/120 payments with green banners in January? Afraid to not do it and somehow be out of compliance but worried that submitting it could delay the golden letter somehow...

My letter states:

Your student loans are in a 60-day forbearance. Your student loans are in a forbearance as of 01/27/25. We recently received your income-driven repayment (IDR) application, but since a federal court issued an injunction preventing the Department of Education (ED) from operating the Saving on a Valuable Education (SAVE) Plan and other IDR plans, IDR application processing is taking longer than normal. Due to these delays your IDR application is in a pending status and MOHELA is putting your account into a forbearance for up to 60 days.

Does this mean that I am in processing forbearance? My "status" is still "forbearance" on Mohela's website.

Hello Everyone,

I went in and did the "change my repayment plan" steps on FSA's website. Then I remembered some conversation on here about needing a wet signature due to the automatic application being expired? I just want to make sure I understand that correctly?

When I went and looked at what was submitted, it did say it expired in 2021. So now that I know that, what should I do? Should I let them reject it and send me a letter or something saying so? or should I just download a paper version from somewhere that isn't expired and submit it now anyway? I wasn't able to find an easy means of submitting an uploaded paper application, can anyone link to that page for me?

I really just want to get back to paying, I'm at 117/120, I just need to be done. Please help, thank you!

Just a quick question for folks. I had a message from Mohela/FSA that my annual recert was coming up back in late December (12/27). I submitted, through studentaid, my renewal for PAYE, and attached my taxes as it wasn't wanting to pull through taxes automatically (12/29).

It's been a hot minute and my recert date/anniversary is 3/28, with a "deadline" of 2/21. I haven't seen any movement from Mohela other than a "we received your request." Everything is pending on FSA.

I plan on calling to Mohela to check in, anyone have any advice regarding this? I ask because I've noticed a few posts of people getting declined when they used this method to recertify, and I want to get ahead of the game as we're looking at housing changes soon.