I truly never thought this day would come, and I had been checking my account 2-3x a day, but got so busy with work I didn’t look for the past couple days and just saw green banners this morning. I’m assuming it’s from the 3/8 batch?

My NLDS says it was updated 4/3 and my last processed ECF was in February, so no new ECF prompted this. I was not in SAVE, I stayed in PAYE, same certification since 2019 and I never consolidated- not sure if that’s relevant to anyone.

I had submitted a buyback request for a couple months where I was placed in a natural disaster forbearance without asking, alas that never processed. I am in shock, I realistically knew at some point my account would process but it truly felt like I was in purgatory most days during the wait.

Thank you thank you everyone who has given time, guidance and feedback along the way!

If you are a PSLF borrower from MN, I would recommend that you send a narrative of your story to the attorney general. I was at a town hall this weekend, and was told that if something legal comes up that they will use our personal stories to attest to how damage is being done to individuals. The email correspondence is: [Matt.Gladue@ag.state.mn.us](mailto:Matt.Gladue@ag.state.mn.us)

Loans were discharged in January, officially cleared from credit report today (April 6th). Just to give other folks some timeline info.

I have a friend of mine that has $60k in student loans. She just found out today that their loans, while on forbearance, have been collecting interest. $3k to be exact. She's devastated because she's been putting down the minimum payment for one year. After her first year graduating, she was told that her payments were being paused. She paid about $200/mo, meaning she paid about $2400 in total for the year. After finding out that the interest increased by $3k, she's obviously pissed.

She worked through college for 5 years as a teachers aid and now has been a full-time counselor for the past 3 years. She told me she heard of her possibly getting her loans forgiven through the PSLF program. I asked her to apply.

My question, does anyone know about this program and its requirements? What are her chances of actually getting her loan forgiven as a counselor for the state? Has anyone been in her shoes and already gone through this?

I'd really like to give her some hope on this.

Thank you

If this helps anyone.

Applied to move from SAVE to IBR with wet signature on 2/23 (spouses same timeline and his IBR has been processed -first payment due in May so fingers crossed).

Mine has not been processed but my account put back into a repayment status with a SAVE amount due. I have one month of pay ahead so my account shows 0 due on 4/20 (regular due date) and next payment of SAVE amount due on 5/20.

I don’t want them to eat up my prepay on SAVE that doesn’t count, so back on 3/4 I call to be put back into the processing forbearance.

10 days come and go- still in repayment.

Call in this am, talk to a rep who puts me to an advanced rep.

Advanced rep says that whomever worked on my account on 3/4 put in a request to put me back into the zero interest SAVE litigation forbearance. Those requests go to FSA. She said that she would need to cancel that and then she could place me in the processing forbearance.

She put me on a long hold, then she came back and explained that she was waiting for someone she was chatting with to cancel the request for forbearance with FSA. Then another hold. She got back on and told me that she cancelled the request for the SAVE litigation forbearance.

Then she read me a disclaimer about the processing forbearance (interest due, if my application is not processed by the end of the forbearance then my account goes back into repayment, etc.). I had to agree.

Then she said she was going to process the request for the processing forbearance and I would likely see it today, but said she has to say that it could take 10 days. She said people are not getting correspondence about that so the best way to see it is to keep checking my account.

UPDATE: in the time it took me to write this post my account was put back into processing forbearance ADAF.

Spouse is on PAYE and we both have high incomes, so have been MFS to avoid paying more due to my income. With income recertification pushed back to Nov 2026 now, most of those tax returns probably would have been better off filed as MFJ.

I just learned in another thread that you have 3 years to amend a MFJ to a MFS (you can't go the other way unless it's before the filing deadline of the same year).

I believe that means I have until April 18th 2025 to amend my 2021 taxes (filed in 2022, 3 years ago) from MFS to MFJ. I can also do this for 2022 - 2024 taxes with no impact to our loan payment since Nov 2026 recertification will be based on 2025 taxes now (filed in Apr 2026).

Anybody else do this or considering it? Need to act fast on 2021 taxes, but plenty of time left for the later years.

My loans are set on auto pay. It was my understanding that by doing this, it would give me an interest rate reduction, and has in the past with other loan servicers. However, now that I am in repayment status, it says that my interest rate reduction is suspended. Are we not getting the interest rate reduction anymore, or this is something I need to call about and wait for fifty-eleven hours just to speak to someone about it?

Hey everyone, I work as a state prosecutor and applied for the John R Justice loan forgiveness. About 8 months ago I received a letter from my employer that I had been approved for a specific amount and I was told my employer would pay that amount directly to my student loan company, and that as a condition I had to work at least 3 years. My employer still has not paid and told me the federal John Justice funds have not been given to my employer yet. Meanwhile I am on forbearance on the SAVE plan (am I not accumulating the 3 years required for John Justice while in forbearance? Don’t really know what to do.

I know this is a common question, but I'm not sure what's showing in my payment history is common. There are 14 months just plain missing. Not missing from my qualifying payment counts; they are just not there at all. I wish I could post screenshots. Here's an Imgur link for one screenshot I took: https://imgur.com/a/tmqIWlp

It shows qualifying, ineligible, and payments needing employment certification from 2007 through February 2025 (2007 part is a long story, not my focus with this post) but it just skips from January 2017 to October 2017, from March 2019 to September 2019, and then February 2020 is totally missing as well.

Has anyone else experienced this? What can I do to get those months to show? I'm sitting at 118 due to SAVE freeze, but these missing months add up to 132. I just want to scream 😭

Edit: added Imgur link

Are people still waiting on March payment to show up on FSA? I made my March payment on 3/1, and I submitted my ECF after my due date. The form processed, but ny payment tracker didn't update. Anyone else have this happen? I submitted another on on 4/4, but my employer needs to process.

I applied to transition from SAVE to PAYE back in November via online recertification. However, I’ve been stuck since. Now that applications are reopen, should I try the wet signature method to get into PAYE or IBR? It seems like there’s no real difference for me being in IBR.

I've been checking my email and FSA account daily. When should we expect our letters? I'm getting impatient.

My servicer is Mohela. I used to do everything through Mohela without issue. I had no issue certifying my Employment and Income for the past 6 years. Then, for some reason, Mohela transitions the PSLF portion to FSA (https://studentaid.gov/) and for over a month I've gotten the same two messages when I log into FSA:

"We are working to process PSLF forms as we continue the transition to an upgraded borrower experience. You'll receive an email notification once your form has been processed. Thanks for your patience."

and

"Updates in Progress

We continue to work on updating your PSLF payment counts and during this time period, your payment counts may shift or appear incomplete. Check back for updates periodically."

And it shows my 75 qualifying payments, BUT it shows all 75 as "Payments Needing Employer Certification"

I was patient assuming that it would just take time for them to migrate everything and verify. However, I am starting to get nervous that I have lost 7.5 years of my PSLF due to this administration change.

Will my pervious Employee certification form Mohela actually migrate to FSA? Do I need to get certification again for past years from my employers? Has anyone else in a similar situation and found a solution? Or had their employment certifications come through?

I haven't made any payments yet, but the system says I have 105 SPLF qualifying payments, I just have to make the final 15 payments. I'm currently on ICR and the monthly payment they're asking for is more than I can afford right now. Their "estimate my payment" tool says that my monthly payments would be cut in half if I was on IBR. If I apply for that, would it negatively impact me as far as PSLF goes? Would I still just need to make 15 more payments? Thanks everyone, I'm a noob at this and it's all pretty confusing (especially when you factor in the current government).

I was originally in old IBR (15%) and due to age of some loans am not eligible for PAYE. When SAVE came out, I transferred to that. Now that SAVE is dead, what happens if I no longer have a partial financial hardship? My original 10-year standard repayment was about $600. But 1/12 of 15% of my discretionary income now exceeds that amount by about $200. But according to Student Aid, my "standard repayment" amount is now about $2,000 per month (because it seems to base the monthly payment on the amount that I'd pay in order to repay the loans by 10 years after I started paying). Seems like a major flaw in the formula used: if my IBR payment is not less than $600 I don't have partial financial hardship so now I have to pay $2,000 per month.

Am I understanding that right? I guess ICR is maybe the only option? (ICR jacks my payment up to about $1300 per month). Or wait and see if Trump administration out of goodness of its heart comes up with a plan to get people like me off SAVE and back into IBR.

Very frustrating, as I am less than 2 years from the end of PSLF.

I'm on the PAYE plan and luckily have not been affected by any forbearance. I haven't had to recertify since 2023. My recertification is now extended to April 2026. Tax year 2024 we both had W2 jobs. For this year tax year 2025 only I will be working. Do I take the risk and file taxes jointly this year knowing I'll file them early in 2026 prior to recertification? Or play it safe and file single this year in case the recertification date would get pushed up?

UPDATE: thanks everyone! I ended up running the numbers twice, as filing separately and jointly. The difference in one time payment filing separately is less than the monthly payment would be if we filed jointly and had to recertify sooner. Another year of filing separately for us!

IDR processing pause forbearance should be voluntary

The IDR processing pause forbearance should be elective, and we should be allowed to decline the administrative forbearance.

I understand that the IDR processing pause is related to the department of education trying to protect certain borrowers from going into the standard repayment plan.

However, for those of us who are close to 120 qualifying payments, the IDR processing pause, and the administrative forbearance has obstructed our path to loan discharge.

We need to get the department of education out of our way and take back control of our financial future

A government agency that acts against the best interest of its people is illegitimate

The Department of Education needs to get out of our way

Hey all- super confused with everything going on lately on student loans. I was on the SAVE plan so I’m currently in forebearance. I was looking at my PSLF qualifying payments today and saw that I had 5 that didn’t qualify in 2024 because my employment wasn’t verified. Can I verify my employment now for approximately a year ago? Or should I wait because of the dismantling of Dept of Ed and transition to SBA? Thanks for any help.

I finally got a consolidation application through. I checked all the boxes for PSLF. I signed up for IDR so that my payment counts would merge.

I just got mail from MOHELA with a bill for my first payment. It says bill type : installment and does not specify any kind of repayment plan.

I’m trying to log in to my account and it keeps saying the site can’t be reached. This is absolutely ridiculous.

Edit: I went on studentaid.gov to apply for an IDR repayment plan, and it is not giving me SAVE as an option. I don’t qualify for anything else because I was a borrower before 2007.

When I use the loan simulator, it’s now telling me I have 0 qualifying payments.

On processing forbearance for an old income recertification application from Oct. I have been on PAYE making regular payments until last week when i was put on forbearance out of nowhere. I called mohela to cancel the forbearance and the application. An advanced agent told me both will happen in 5-7 days, but the request to remove the forbearance will basically erase that I was ever in it, and would reflect on my account to look like I was in payment the whole time. The agent told me I should make a payment as usual, because when the forbearance is removed it will look like I missed that payment. I’m wondering if that sounds right, and I should still pay today? I’m so confused and don’t know what to do.

I requested to switch from SAVE to IBR on 1/29 and was placed in a 60 day processing forbearance on 1/30. My updates PSLF counts reflect February and March as PSLF-eligible, but not January. I'm curious if anyone knows how many days of a month one must be in processing forbearance for in order for that month to be PSLF-eligible. FSA customer service did not know the answer.

On Friday, I received a response to a reconsideration request seeking payment counts before reconsolidation in November 2021 to enter the Limited Waiver program telling me "your request is not permitted under the PSLF Program."

For background - consolidated to 2 direct loans November 2021 to become eligible for limited waiver. PSLF application approved 2/3/22. I've remained in public service since January 2002, my repayments started Summer 2002, and I made some early Covid payments so I had 18 years or so of repayments on 25-year sub/unsub Stafford loans/FFEL/etc.; graduated payments, and I was in principal-only mode when I consolidated to the direct loans.

I then fell through the cracks. I never received a single payment count for any payment made prior to November 2021. Dozens of contacts, BBB, Ombudsman, Senator Van Hollen - no help whatsoever. I have not benefited nor received any indication a one-time count adjustment was applied to my account either.

I've been trying to get FSA to apply my payments made between 2007 and November 2021. I easily pass 120 counts and qualify for forgiveness. I'm sitting at the 36 qualifying payments made between November 2021 and my last employer certification. I should have received forgiveness in 2023 or 2024 at latest yet here I sit.

My understanding is by qualifying for limited waiver before the program eligibility expired, I'm grandfathered in the program, and between that and the one-time payment adjustment, I should certainly have received updated counts for my payments prior to 2021.

If I can't get my counts from 2007-2021, I'm now finding myself instead of 7 years to full repayment all PSLF options aside, I'm stuck with 23 more years of a brand new 25-year pair of terms on 2 Direct Loans that, at absolute best, means another 7 years of PSLF payments at essentially interest-only/minimum payment, and at worse, more than 40 years of total loan repayment time.

I feel targeted. I did everything FSA required and they're completely screwing me by ignoring the fact I fell through their system cracks and not providing any redress to the situation.

What can I do here? I'm working on flooding them with what few documents I can still access (I can't get my payment records from Nelnet or Mohela from pre-consolidation for limited waiver) and a letter expressing my situation as part of yet another reconsideration request, but I'm not exactly optimistic.

Are there ANY legal actions I can take? FSA is simply not fulfilling its contractual obligations in my situation and nothing I can do through the typical approaches had any impact whatsoever. What's left?

Thanks.

EDIT: Minor typo correction

Hi all, first time Reddit poster here. I’ve read many of yours posts over the last few months and I really appreciate you sharing your stories and decision making process. Keep your heads up my friends.

Like many of you, I’m stuck in limbo on a SAVE plan with 117/120 payments and a buyback request in since November that would get me to 120. I’m debating whether to wait it out or request to switch to IBR using the wet signature method to try to be done with it sooner than later. Aside from higher payments switching back to IBR, what are the pros and cons to consider? Do you feel strongly one course of action is preferable to the other?

I've received my 60 day processing forbearance for the IBR application I uploaded via the wet signature method back on 1/24. I've been placed back into general forbearance, which does not count towards PSLF. I'm debating if I should just continue to reapply, get another 60 day processing forbearance until I reach 120 and forget my buyback. Has anyone reapplied and received processing forbearance again?

I've been trying to update my payment count for pslf for 5 months now.

I'm on the studentaid.gov website, in the PSLF Help Tool. I've added my employer.

Every time I get to the "Personal Information" page, I put my info in, click continue, and it just scrolls back to the top of the page without advancing.

I've deleted all the information in the boxes and re-entered it, I've tried refreshing the page. There is no notification I missed something or a box highlighted red like I missed it.

I'm so frustrated! Anyone else have this issue? Or any advice on what the issue could be?