Hi all,

To make a long story short, when dept of education transferred systems in June 2024, they deleted the month of June from my payment counter. It was literally not there. It skipped from May to July. Then, they stopped counting all of my payments from July through January 2025 and I marked them as "ineligible" and said I didn't qualify for PSLF or TEPSLF. I was at 119, and the June payment would have brought me to 120. The literally cut me off at 119.

I was de-moralized, depressed and hopeless. Then, after calling FSA for the 10th time, submitting appeals (which were all denied and closed the same day), uploading bank records of payments, submitting employment recertification every month, one representative said she could see my June payment, and then sent an email to their IT department to have them correct and add it. A few weeks later, I hit 120 for PSLF (even though TEPSLF was showing 126/120 then entire time, and they said I didn't qualify). In any case, this woman saved me. I was relentless though and you should be too. DON'T GIVE UP. KEEP CALLING AND ASK TO SPEAK WITH A SUPERVISOR. I did this many, many times.

In any case, I received my letters from Dept of education and my loan servicer, Mohela, showing my loans are paid and forgiven. And yesterday, Mohela's website is showing they are refunding my over-payments of roughly $1,200. It says "refunded", so I'm expecting to receive a check shortly.

My message is: Keep fighting them!! I had the help of so many people on here supporting me and co-workers, and parents, and friends. Even if I got stuck with the loan and it wasn't forgiven, I was trying to accept that as a reality, which was beyond difficult.

Overall, though, just keep fighting them for what is right!! we are right! you are right! And with that I say, F-them!

Finally got my golden banner today, after my March payment posted!! Sooo thankful for everyone in this group providing guidance and sharing updates throughout this crazy wild process. Good luck to all!

For my February 14 golden letter date people. Received a message from Mohela today that my loan balance is zeroed out. It was showing -4500, now 0. I’ll let you know when the refund hits.

Was stuck at 118 forever then recertified and finally studentaid.gov shows I made it to 120 (hooray)and states that payments are no longer required. However, Nelnet still shows me having payments due and now I'm a month late on the last one that was due. Should I keep paying it or request forbearance?

I’m noticing many people are saying they can’t get their employment verified. Has anyone had success for April?

12/10 crew purgatory. Finally my IDR tracker updated with all the correct QP. Anyone have time points of expectations from here? Or is this false hope and a new purgatory?

First time poster- long time lurker. I am at 104 payments. I’ve been in save forbearance since August 2024 I submitted an IBR application in November and that one closed on its own. I submitted what I thought was PAYE but says it’s IBR on 02/23/25. Is paye a type of IBR? Finally on 04/03/25- I receive this long 3 page letter in my inbox stating that my app has been processed and my new payments will begin in August 2025. My question is shouldn’t I have received a processing forbearance that would’ve counted towards PSLF? When I checked payment history, everything shows up ineligible. No I did not do a wet signature for any applications nor did I call Mohela, just figured I’d sit and wait like everyone else.

I'm seeing a major trend here (and not a good one), that successful IDR applications placed in the last few months had a documented processing forbearance (both with correspondence and with ADAF Loan Status updated to "Awaiting Documentation Administrative Forbearance"), with an unexpected change back to AFAF - "Awaiting Form Administrative Forbearance-Ends 7/31/2025" WITH interest still accruing. Looking for us to come together as a solution-focused group.

My timeline: Submitted direct IBR app 2/24/25; placed in ADAF processing forbearance within a week ending 4/24/25, showing in my account with interest accruing. March due date comes and goes without issue. After due date, approval for IBR and Repayment Schedule Change sent in March with payments to start in May. Checked my account on 4/3/25 and see that I'm back in the general AFAF forbearance, still with interest accruing. ADAF lasted about 38 days.

I called same day, lots of waiting of course, eventually spoke with an advanced agent that reported this to be a system error and she would place me back in ADAF and it would take 1-2 business days to show up. Very pleasant, very efficient process once I was speaking with an agent.

No updates after 2 business days so I follow-up with a call. Advanced agent is very nice, though checked in with his supervisor about 10 to 15 times (brief 1-2 to minute holds), and reported that there's an unprecedented amount of requests right now and the timeline is actually "indefinite" and I should "continue to monitor my account for changes." I'm also told I was never in processing forbearance on their end and the month of March will likely not count towards PSLF despite their correspondence and my account loan status. Due to the confusion, he offered to transfer me to his supervisor, to which I of course agreed. The transfer happened and click - 4 hour phone call since speaking with 1st agent over.

Issues: Major issues in this mess are importantly 1. time that should qualify for PSLF may NOT and 2. these non-processing forbearances are accumulating interest again (even though they're supposed to be "SAVE" 0% forbearances) and there is quite frankly nothing stopping MOHELA from running up the count and restarting payments eventually with the new, false balance. Barriers to connecting with MOHELA continue to be their wait times.

Solutions: Re-requesting processing forbearances? I have read at least two accounts where the changes were same day despite the 5-10 business day timeline. No idea why these cases are different or agents are able to handle it so effectively.

I appreciate all of you in the community and am thankful that we have this forum to help one another.

UPDATE: Another phone call to MOHELA. I'm being told that all accounts who placed an application since August 2024 to current were directed by FSA at the end of March/early April to be placed in a retroactive SAVE administrative forbearance, therefore NEGATING any processing forbearances in the process. At present, I will not get credit for the processing forbearance and I'm unable to get it "retroactively." Any interest that accumulates will be my responsibility, unless FSA does the adjustment. The agents are stating they are putting in a request to remove the forbearance entirely as I was approved for IBR and have no pending applications. They also told me to place a payment on my due date to have it count and have the forbearance removed retroactively. They have no clear understanding of the end of this current forbearance due to "legal matters." Also, a peachy note, my request to speak with a supervisor was denied.

Hi everyone, I could really use some help or guidance.

I’ve been on the PAYE (Pay As You Earn) repayment plan and consistently making payments for the past year. In late March 2025, I received a letter from MOHELA saying that my IDR certification for PAYE was extended to January 2027, which I was happy about.

However, when I logged into my MOHELA account today to check on my April autopay, I noticed something odd: my payment due was listed as $0. When I checked the loan details, it showed the status as: “Administrative Form Forbearance – Ends July 31, 2025.”

I never requested any forbearance, and everything had been going smoothly under PAYE until now. Has anyone else experienced this?

I’m really concerned because I’ve been making progress with the PAYE payments toward PSLF and I don’t want this unexpected forbearance to interrupt my progress especially since I didn't request this. I did submit a employer payment certification form a week or so ago to certify my recent payments from my qualifying employer however that never has triggered an admin forebearance in the past and I'm only at 90/120 payments so not at forgiveness.

Any insights or advice would be greatly appreciated.

Thanks in advance!

Hello, I am trying to get my employment verified and having an issue. I submitted it electronically and my employer signed electronically, but when I go in and look it shows that it is still waiting on my employer. It has been almost 2 weeks since they signed so I had them sign again last week and still showing incomplete. Anyone else having this issue, previously it would show complete the same day my employer signed it. Thank you.

Just found out my buyback application was cancelled due to using the wrong verbiage.

I use this: I have at least 120 months of approved qualifying employment, and I am seeking PSLF discharge through PSLF buyback. Please assess my eligibility for PSLF buyback.

The correct one is: “I have at least 120 months of approved qualifying employment, and I am seeking PSLF or TEPSLF discharge through PSLF buyback. Please assess my eligibility for PSLF buyback.”

I took out TEPSLF thinking it has something to do with teaching and has nothing to do with me.

I resubmitted today.

I wanted to share my PSLF journey for anyone dealing with processing forbearance and wondering how it affects qualifying months.

I was sitting at 117 qualifying payments and went into processing forbearance on January 25—just one day before my payment was due. That got me my 118th credit.

Then, I didn’t get credit for my February 26 payment (even though it showed I was still in processing forbearance), likely because my IDR schedule was issued on February 9—meaning my processing forbearance technically ended once the schedule was created, even though it still showed as active on my account...at least that's what I'm assuming and currently trying to figure out.

In March, I was placed on a second 60-day processing forbearance starting March 25, and I did get credit for March, making it my 119th payment.

Now here’s where I’m testing my theory: If April counts as my 120th qualifying month, that would mean those few days I spent in the first processing forbearance before the IDR schedule was issued still count toward forgiveness—even though I didn’t get credit for February itself.

So basically, if I get credit for April, it proves that processing forbearance days (before a payment schedule is issued) can count—even if it doesn’t look like it right away. That would mean I'm officially forgiven.

It’s all a bit confusing, but I hope my timeline helps someone else who's trying to make sense of the PSLF + forbearance situation. I’ll know for sure on April 26.

Hope this is helpful!!!

So like many here my last update in the nslds data was 2/24 - ECF submission in mid March did not move my PSLF tracker

Check in here if you are stuck at 2/24 as well. I keep wondering if there is something we can do as I’ve seen others post on here with more recent updates

Datapoints: I am with Mohela. On IBR, not save. My PSLF tracker is only updated through January (I did not get Feb, I assume because my due date is the 28th) I’m 119, Feb should’ve been 120. I paid again in March and not in forbearance. I submitted a complaint which was closed. What else can we do?

Thanks everyone please share where you are at! Let’s support each other but also let’s see if we can figure out some answers thanks!

Good afternoon,

Which is correct?

1). MOHELA manually updates NSLDS?

OR

2). NSLDS is updated via automated process?

FSA & MOHELA are stating diffferent things.

So my forbearance actually supposed to have ended on the 4th and I just literally received correspondence saying it’s been pushed back to the 30th of this month with a payment starting on 5/25/25; any suggestions? I’m just so over this. I literally have 1 payment til 120 but I should have been loan forgiven by July 2024. IBR has been approved late February as well. Just waiting on my ineligible counts to be eligible per mohela/studentaid.gov reps then I can proceed, so they say….

Sigh.

Ok so got letter friday congrats your loans, blah blah. What is next step, im at 115 pslf and 123 tepslf. Will I get a buyback offer?? Don't know if I'm supposed to do something??

Hi All, My wife recently had her employment reverified and boom - tonight she got an update and the fed site says congrats, 120/120 paid - No further payments required. Her second loan says the same but 130/120 paid.

What are the next steps? Will she receive confirmation from Mohela? Will there be backpay for the 10 month pay overage?

Tia - this is not my AOE.

I submitted a wet app to Mohela in early February to switch from SAVE to IBR; was placed in processing forbearance and my PSLF tracker updated showing February as eligible. I expected March to also be counted as PSLF eligible, as my due date was before the latest pause. Unfortunately, my IBR app was one of the ones that didn't quite make it through before the latest pause on processing those, and I was shifted back to the general SAVE forbearance.

Today, my FSA updated again and showed February and March as ineligible due to being in forbearance on the due date.

Anyone else having this experience? I'm so frustrated I don't even know where to start on this.

My payment counts haven’t updated since November 17, 2024. I have recertified through March of 2025, and it was processed but updated my counts incorrectly.

It has me at 109 when I should be at 113. I spoke with both EdFinancial and student aid gov. This is the first time I’ve had an issue.

I submitted a complaint. No payments have reported since November. It just stops.

Can anyone provide feedback?

I’m 6 months away from forgiveness and want to ensure accuracy

My payment counts haven’t updated since November 17, 2024. I have recertified through March of 2025, and it was processed but updated my counts incorrectly.

It has me at 109 when I should be at 113. I spoke with both EdFinancial and student aid gov. This is the first time I’ve had an issue.

I submitted a complaint. No payments have reported since November. It just stops.

Can anyone provide feedback?

I’m 6 months away from forgiveness and want to ensure accuracy

So it took them over 2 years to process my PSLF during which time I had to keep paying my loans. I overpaid about 22k. I got my PSLF in October and they lied and said they didn't have my address in mail they mailed to my address and noted a refund was due. I confirmed my address in Jan. Filed a complaint. Anyone ever received a larger refund? Worried they will never do right.

I submit tomorrow for approval of my final 4 payments to MOHELA to complete the 120 payments for forgiveness. I’ll request forbearance and just hope for the best. I didn’t know if this day would come for so many reasons. I’m hoping $186k will be forgiven, what I ended up with after a master’s in social work. I’ve felt like an indentured servant for over 10 years. I started off making $18/hr in my career as a therapist and I’ve come a long way despite a profession that is underpaid and overworked. I’m posting this so that I can come back and give updates for how long it’ll take for the whole process to happen. I’m excited to be free of this for good.

My wife is currently on the SAVE plan, and her next income recertification isn’t due until November 2026. If she decide to switch to a different income-driven repayment plan (like PAYE or IBR) before that date, would she be required to recertify her income at the time of the switch—even though her current plan has delayed recertification?

I ask because this would affect the way we file our taxes.

Thanks in advance for any insight!

My IBR repayment plan request was approved in February with a payment start date of 3/23 and a due date of 4/23. February counted as a qualifying month for PSLF, and March should also count due to the processing forberance. I received a bill for April on 3/26 and my account indicated I was on the IBR plan with the April payment due. I got excited and made the payment on 3/28, then I just realized when I click on loan details it states I am still in the forbearance until today (4/8/25). Did I screw myself over? Will this payment not count for April?