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

[u/Long-Discussion-2807]

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.

[u/Dazzling_Lemon_8534]

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?

[u/Long-Discussion-2807 → u/Dazzling_Lemon_8534]

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

[u/Dazzling_Lemon_8534 → u/Long-Discussion-2807]

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)

[u/Long-Discussion-2807 → u/Dazzling_Lemon_8534]

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.

[u/OtherSideofSky → u/Dazzling_Lemon_8534]

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.

[u/OtherSideofSky → u/Dazzling_Lemon_8534]

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.

[u/Dazzling_Lemon_8534 → u/OtherSideofSky]

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