You guys I hate all this SAVE litigation BS! I was due for my 10-year forgiveness on my $160,000 student loans through PSLF in January 2025 but have been in administrative forbearance since July like many of you. Is it worth trying to get on a different plan (e.g. IBR?) so I can get these payments going so I can apply for forgiveness or do I just wait here for a year for the lawsuits to settle? My payments were affordable before all this, so it wouldn't be a huge burden to start making payments again. What do you think? Should I stay or should I go?? Help!

So I did all my consolidations to get my wifes loans eligible for pslf but the final consolidation is complete on Nelnet but not updated on studentaid.gov, therefor i can get her payment count because it doesnt show the pslf status because one of the non updated loans is showing not a direct loan. Is this just from them running behind or something else?

I've gotten three emails since 10/25 from MOHELA stating that my payment schedule has been changed. They all state that " Your new monthly payment is now $95.95 and will begin on 02/18/25. Your Repayment Plan is: INCOME-DRIVEN REPAYMENT (IDR) Please review the Repayment Schedule below which includes your new minimum Monthly Payment Amount, Total Number of Payments to be made at that amount, and your Due Date."

I'm confused about why I'm getting these, since I'm still in deferment? I was previously on the SAVE plan and had reapplied. Is anyone else having this issue? It's really annoying.

I just got an email from Mohela detailing all of my 'repayment options,' and SAVE is one of them in the email. That isn't accurate, right?

I graduated and started my first job at a nonprofit hospital in June 2022. I got on the SAVE plan and I have had $0 monthly payments up until it went into forbearance. I stupidly didn’t submit a PSLF application before this forbearance went into effect. Now my application won’t go through obviously.

Will those two years count toward my 120 payments once I eventually can apply? Did I mess up by not applying as soon as I started my job?

Please be kind. I had no one to guide me through this kind of stuff and I’m figuring out adulting as I go. The FAQs online weren’t really answering my question. Thanks

Don’t mind me, just crying at having a HUGE weight lifted off my shoulders! 😭

Worked for the court system for over ten years after law school and just accepted a job offer in the private sector! I got the golden letter on 10/4 and have been waiting anxiously for the $0 balance…

Congrats to everyone out there and if you’re still waiting, don’t despair…your time will come! ❤️

Do I get automatic processing forbearance while my enrollment processes, or do I need to call Mohela to request it? I'm recently graduated and both my loan repayments and public service job start this month

MOHELA showing $0.00 current balance....

$209,000 PSLFed.....

Hang in there, everyone! And thanks to everyone for all the support!

I’m super confused, any help appreciated. Who exactly qualified to receive this October 2024 forgiveness for 60,000 public service workers? Is this what the 10/4 letter is a reference to? I obviously wasn’t one of the lucky recipients of forgiveness, so I’m trying to figure out why, and who was. I see so many posts on here about the golden 10/4 letter but none of the press releases or news articles share what qualified someone to have their loans forgiven for some PSLF folks and not others? Thanks!

Quick edit: SUPER happy for all of you who have received forgiveness!! I just want to understand why I didn’t receive it as a PSLF program member.

My loans were forgiven and show $0 balance. I can't stop rechecking Mohela as I keep thinking it will reverse and be there again. Such a stupid fear., just cannot believe I am done

I currently have a job at a non-profit, working for the non-profit as a CRNA. I was recently offered a great position with a private practice anesthesia group who contracts 100% with a non profit hospital. I’ve read up that physicians are able to get PSLF with a private practice working for a non profit. Does anyone know/have experience if this extends to advanced practice providers as well? I’d hate to turn that job down, but I can’t risk losing forgiveness on such a large amount if that doesn’t apply to me.

My loans have zeroed out on Mohela after being over 120 payments for over a year. Even shows that I’m due a refund. That is just icing on the cake when it ever shows up. Hope this moment comes for many more of you soon! Now just waiting for the student aid site to catch up and zero out too.

I’m one of the many that got my counts updated 9/25, only to find June-Aug were missing. I know at least for June and July it happened to a lot of people. I called, did the complaint thing (still waiting on that), reconsideration was rejected, etc. These are payments 120-122 for me so I got mohela to put me on forbearance while I wait for them to sort it out. But now that I’m seeing a lot of posts about updates for those who were forgiven, just wondering if anyone has seen their counts for those months update?

Discharge processed.

Balance showing 0.00

Turns out I am due a refund of around 600 bucks.

Congrats to ALL OF YOU on your hard work and dedication the public service.

i graduated in may and want to sign up for idr. the studentaid website says i don’t have eligible loans (but they are all direct) so it wants me to consolidate. when i try to fill out the consolidation form, the website glitches when i click idr plan and the application will not move forward. any advice?

With what is apparently the November wave of forgivenesses, I’ve been rather rabidly trying to check my account but keep getting booted back to the sign in page. Either that or I get some stupid error that looks like there are too many people trying to access it at the same time? These people svck.

I applied for consolidation in April and (mistakenly) chose to be placed on the SAVE plan at that time. Like many other people, MOHELA automatically put me on standard repayment. Well…it’s November and I am still on the standard repayment plan. They have put me on an administrative forbearance twice now while they continue to “process” my switch to SAVE. Anyone else in the same boat??

I consolidated my federal student loans in April 2024 and i met 120 payments on 2 of the loans that month as well. still crickets from MOHELA and ed dept. (The website says they should ALL get the 120 payment count). Anyone else who consolidated PSLF loans have success yet?

I'm not sure what do so. Everytime that I log in to check the forgiveness date, it changes. I have just submitted another employer verification, but at this point I'm ready to leave for a higher paying job that is not a nonprofit. I have 111 qualifying payments with another 35 that have not been verified yet, but hopefully will now. Sometimes it says expected payoff in October, sometimes it says 2025.

I posted in another post, I'm so traumatized that I assumed it was an error. I'm still not 100% confident I won't wake up tomorrow and the balance will be back. I posted recently in r/MOHELA that I applied for an extension of my forbearance because I was waiting on forgiveness and I got a denial letter a couple days ago, so the MOHELA trauma is real.

But, if I calculated it correctly, my loans of over 300,000 counting interest have been forgiven. There's even a refund due. Have to say I'm very relieved.

I saw a lot of you got discharged from Mohela today, congratulations! But not me. Anyone is the same like me? I feel worried and sad. Thanks #r/pslf

Has anybody here used Laurel Road for student loan forgiveness navigation assistance?

https://www.laurelroad.com/student-loan-forgiveness/

I'm unsure if there's any fees involved. But since they offer a free thirty minute consultation, then I'm gonna guess there's some fees eventually involved. Might be worth it though if they can help get results.

I'm just really struggling to navigate the forgiveness processing and have been trying since 2022 without any success. It may well be that forgiveness is not an option for me. But I think I'd like to be certain before I give up.

Mine was also zeroed out yesterday ($104,000!!) on Mohela but I am not ready to trust it until it’s also zeroed out on Studentaid. Does anyone know how long that’ll take? I want to celebrate but I just need to see that it’s real.

Just, agh. Thrilled for people who got forgiven this week. Just impatiently waiting for 119 and 120 to be credited from the ECF I submitted in September.

I'm applying for the PSLF program for the first time because I recently started a job in public service. Maybe this is a dumb question, but the application asked me for my AGI as it appears on my tax return. Obviously, 2024 tax returns aren't done yet, but I didn't start my new job until this year. My income in 2023 was much lower, but I guess that's where yearly certification comes in? I'm just really nervous to miss something in this application process and get denied down the road.

Received forgiveness early last month but my credit report still shows my student loans.

Now that Mohela has zeroed out alot of us yesterday why us there still a balance on Student aid? When will they show 0. Congratulations to all who zeroed out yesterday

Congrats to all the people getting forgiveness today/yesterday. My account is now showing a payment due this month and I still have a balance :( Anyone else from the 10/4 letter receivers still waiting for Mohela to zero out their balances like me?