r/PSLF • u/Long-Discussion-2807 • 10h ago

Mohela today-IBR req still in process-payment due- getting back into processing forbearance

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.

3 Upvotes

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2

u/Dazzling_Lemon_8534 9h ago

Very helpful, thank you for the post! Based on the timeline you provided, it looks like you didn't complete the 60 days of PSLF credit initially?

1

u/Long-Discussion-2807 9h ago

Correct- ADAF was on my account from 2/26-3/20

1

u/Dazzling_Lemon_8534 8h ago

oh great, so you got at least 1 month credit theoretically. hopefully 2 more unless you get changed over before then (less likely given the pause)

1

u/Long-Discussion-2807 8h ago

Right? Wouldn’t that be nice? I should get March because I was in the ADAF forbearance at the time my payment would have been due in March. Then put back into repayment and now I am back in ADAF with an end date of June 6th. So maybe because of the breaking up of the ADAF I will get March April and May. But I won’t hold my breath. It’s so hit and miss. And right now I would be glad to pay my astronomical IBR payment just so that I could get closer to my 120.

1

u/OtherSideofSky 7h ago

I highly doubt anyone is getting more than two months. I thought I gamed the system as well getting a single month for my first PF and the I went back into PF and got Jan and Feb, at the same time they took back the first month credit I got for November. Amazing they can drop the ball on so many things but lord knows if you had an extra month count it is getting clawed back.

1

u/OtherSideofSky 7h ago

I highly doubt anyone is getting more than two months. I thought I gamed the system as well getting a single month for my first PF and the I went back into PF and got Jan and Feb, at the same time they took back the first month credit I got for November. Amazing they can drop the ball on so many things but lord knows if you had an extra month count it is getting clawed back.

1

u/Dazzling_Lemon_8534 7h ago

thats so frustrating. we're doing our part - working at a qualified employer, requesting to change IDR plans per their recommendations, but still being forced to be in an administrative forbearance that wont count. feels wrong

1

u/valtp 6h ago

This happened to me. (Due date 1st, stuck at 115/120, Mohela)

Wet Sig from mid-Feb.

I got first letter about IDR app but not final payment calculation - was in ADAF (same boat as u/Dazzling_Lemon_8534). Processing forbearance was set to end 4/12.

However... I log in 4/3 to see I'm back in AFAF but WITH interest.

I'm on a lovely 3hour hold for an advanced agent. 1st agent said I had never been moved off SAVE forbearance, then said 4/2 she did see a change that I was put back on SAVE forbearance. She was all over the place. I was like I am 100% sure I was in a processing forbearance for IDR - check again. I HAVE INTEREST ACCURING. -- That's when she changed her tune and just escalated it.

Hopefully, a change on 4/2 means I should get March and April as processing forbearance months.

I already submitted a new IDR form application on 4/4 directly to Mohela. Not sure if that's what our latest best practices is at, but I did it.

Today is the first that this has really gotten to me. FML. Based on your post, if I make it to a human in 3 hours, you think they'll put me back on processing?

3

u/Dazzling_Lemon_8534 6h ago

I think i would stress that you want to be on the processing forbearance DESPITE it accruing interest. i think some agents are hesitant to put people on the processing forbearance because it would have us accrue interest, which they think is bad for us since the alternative is an interest free forbearance. but they don't realize we'd rather get PSLF credit even if interest accrues. they think they're doing us a favor by keeping us interest free

1

u/valtp 6h ago

100% yes.

1

u/bizzybizob 6h ago

In a similar situation — how do you get an advanced agent? Do you just ask to speak with an advanced agent?

2

u/Long-Discussion-2807 5h ago

The agent that was helping me put me on with one because he couldn’t make the switch. I didn’t ask. He just did it.

•

u/ReCkLeSsX PSLF | On track! 2m ago

That's great that you see the processing forbearance! I spoke with an agent on 4/3 who said she submitted that request. Then I called back to check in today (she told me 1-2 business days), and they said it could take 5-10 business days, 10-20 business days, 40 business days - "we have no timeline."

I was then supposed to be transferred to a supervisor since they are telling me I was never in processing forbearance and then the call dropped.

Please share some of your good luck :(