PSLF

[gretchenindisguise]

Mar 29, 2022 11:19:02 GMT -5 killercupcake said:

So I know the answer for this is probably no, but you guys have been really helpful so I’m going to ask anyway.

I had student loans from undergrad. While I was in grad school, I wasn’t paying on them because they were in deferment. But I was also doing unpaid internships for my graduate degree. Does anyone know if unpaid stuff counts…? Would it be worth trying?

You have to be considered an employee. Volunteer doesn't work.

But, if your undergrad loans had any payments on them prior to you starting grad school and then you took out more loans for grad school - you should consolidate them and they will take on the highest payment count.

So if undergrad loans had 20 payments. Grad loans have zero payments. Consolidate them and new consolidation loan has 20 payments.

If you don't have grad school loans just ignore me

[killercupcake]

Mar 29, 2022 15:03:46 GMT -5 gretchenindisguise said:

Mar 29, 2022 11:19:02 GMT -5 killercupcake said:

So I know the answer for this is probably no, but you guys have been really helpful so I’m going to ask anyway.

I had student loans from undergrad. While I was in grad school, I wasn’t paying on them because they were in deferment. But I was also doing unpaid internships for my graduate degree. Does anyone know if unpaid stuff counts…? Would it be worth trying?

You have to be considered an employee. Volunteer doesn't work.

But, if your undergrad loans had any payments on them prior to you starting grad school and then you took out more loans for grad school - you should consolidate them and they will take on the highest payment count.

So if undergrad loans had 20 payments. Grad loans have zero payments. Consolidate them and new consolidation loan has 20 payments.

If you don't have grad school loans just ignore me

I need to look into this then! Most of my loans are from grad school, but I had been making payments for a while before I went back …

Thank you!

[gretchenindisguise]

Mar 29, 2022 18:21:24 GMT -5 killercupcake said:

Mar 29, 2022 15:03:46 GMT -5 gretchenindisguise said:

You have to be considered an employee. Volunteer doesn't work.

But, if your undergrad loans had any payments on them prior to you starting grad school and then you took out more loans for grad school - you should consolidate them and they will take on the highest payment count.

So if undergrad loans had 20 payments. Grad loans have zero payments. Consolidate them and new consolidation loan has 20 payments.

If you don't have grad school loans just ignore me

I need to look into this then! Most of my loans are from grad school, but I had been making payments for a while before I went back …

Thank you!

From the Q&A here: studentaid.gov/announcements-events/pslf-limited-waiver#questions


How many payments can I get if I consolidate loans with different numbers of qualifying payments?


Assuming that your repayment history overlaps for each loan, the consolidation loan will be credited with the largest number of payments of the loans that were consolidated. For example, if you had 50 qualifying payments on one Subsidized Stafford Loan and 100 qualifying payments on another Subsidized Stafford Loan and you consolidate those loans, you will receive 100 qualifying payments on the new Direct Consolidation Loan.



If your repayment history does not overlap for each loan, the consolidation loan may be credited with more than the loan with the largest number of payments.

Gretchen note: As a warning - the consolidation application still has traditional pslf language about it resetting your counts - it won't during the waiver period. You may also get a scary letter warning you with traditional language - again - ignore it during the waiver period (I've seen a few updated consolidation auto generated messages, but old 'scary' letters are definitely still being sent out).

[killercupcake]

Mar 29, 2022 18:26:33 GMT -5 gretchenindisguise said:

Mar 29, 2022 18:21:24 GMT -5 killercupcake said:

I need to look into this then! Most of my loans are from grad school, but I had been making payments for a while before I went back …

Thank you!

From the Q&A here: studentaid.gov/announcements-events/pslf-limited-waiver#questions


How many payments can I get if I consolidate loans with different numbers of qualifying payments?


Assuming that your repayment history overlaps for each loan, the consolidation loan will be credited with the largest number of payments of the loans that were consolidated. For example, if you had 50 qualifying payments on one Subsidized Stafford Loan and 100 qualifying payments on another Subsidized Stafford Loan and you consolidate those loans, you will receive 100 qualifying payments on the new Direct Consolidation Loan.



If your repayment history does not overlap for each loan, the consolidation loan may be credited with more than the loan with the largest number of payments.

Gretchen note: As a warning - the consolidation application still has traditional pslf language about it resetting your counts - it won't during the waiver period. You may also get a scary letter warning you with traditional language - again - ignore it during the waiver period (I've seen a few updated consolidation auto generated messages, but old 'scary' letters are definitely still being sent out).

The resetting thing is what I was most concerned about which is why I didn’t consolidate when I first joined the program. I didn’t want to lose what I already had.

Thanks again!

[gretchenindisguise]

Mar 29, 2022 22:27:04 GMT -5 killercupcake said:

Mar 29, 2022 18:26:33 GMT -5 gretchenindisguise said:

From the Q&A here: studentaid.gov/announcements-events/pslf-limited-waiver#questions


How many payments can I get if I consolidate loans with different numbers of qualifying payments?


Assuming that your repayment history overlaps for each loan, the consolidation loan will be credited with the largest number of payments of the loans that were consolidated. For example, if you had 50 qualifying payments on one Subsidized Stafford Loan and 100 qualifying payments on another Subsidized Stafford Loan and you consolidate those loans, you will receive 100 qualifying payments on the new Direct Consolidation Loan.



If your repayment history does not overlap for each loan, the consolidation loan may be credited with more than the loan with the largest number of payments.

Gretchen note: As a warning - the consolidation application still has traditional pslf language about it resetting your counts - it won't during the waiver period. You may also get a scary letter warning you with traditional language - again - ignore it during the waiver period (I've seen a few updated consolidation auto generated messages, but old 'scary' letters are definitely still being sent out).

The resetting thing is what I was most concerned about which is why I didn’t consolidate when I first joined the program. I didn’t want to lose what I already had.

Thanks again!

Totally get it!

Definitely take advantage of this unprecedented opportunity!

[killercupcake]

Okay I’m applying.

It’s making me pick a repayment plan. The standard is the most affordable for me but I don’t want to mess it up if I’m supposed to be in a PAYE. Does it matter which one I select?

[lilypad1126]

I just got 2 new letters from Fed Loans saying that I don't yet qualify, but they did certify/approve/something enough employment to get me to 121 payments! They haven't yet added up my payment counts, I did that based on the years/employers they are giving me credit for. There's 1 employer they haven't counted yet, but clearly I don't need that one to qualify (and I was an FFEL loan person until November 2021 so I don't need it for refund purposes).

Anyway, I'm just happy to finally see something new in my account, LOL. So hopefully this means they'll apply the waiver before payments resume for me at the end of May!

[gretchenindisguise]

Mar 30, 2022 10:45:07 GMT -5 killercupcake said:

Okay I’m applying.

It’s making me pick a repayment plan. The standard is the most affordable for me but I don’t want to mess it up if I’m supposed to be in a PAYE. Does it matter which one I select?

studentaid.gov/help-center/answers/article/qualifying-repayment-plan-for-pslf

If you aren't over 120, then make sure to pick a payment plan that will be pslf qualifying. 10-year standard is qualifying but Standard Repayment Plan for Direct Consolidation Loans is not (I don't know why they used "standard" for both).

If you're comfortably over 120, just pick whatever - it won't matter.

[gretchenindisguise]

Mar 30, 2022 10:56:21 GMT -5 lilypad1126 said:

I just got 2 new letters from Fed Loans saying that I don't yet qualify, but they did certify/approve/something enough employment to get me to 121 payments! They haven't yet added up my payment counts, I did that based on the years/employers they are giving me credit for. There's 1 employer they haven't counted yet, but clearly I don't need that one to qualify (and I was an FFEL loan person until November 2021 so I don't need it for refund purposes).

Anyway, I'm just happy to finally see something new in my account, LOL. So hopefully this means they'll apply the waiver before payments resume for me at the end of May!

yay!!

They send out lots of auto-generated denials and then waiver forgiveness comes. Hopefully yours comes through soon!

[killercupcake]

Mar 30, 2022 11:40:31 GMT -5 gretchenindisguise said:

Mar 30, 2022 10:45:07 GMT -5 killercupcake said:

Okay I’m applying.

It’s making me pick a repayment plan. The standard is the most affordable for me but I don’t want to mess it up if I’m supposed to be in a PAYE. Does it matter which one I select?

studentaid.gov/help-center/answers/article/qualifying-repayment-plan-for-pslf

If you aren't over 120, then make sure to pick a payment plan that will be pslf qualifying. 10-year standard is qualifying but Standard Repayment Plan for Direct Consolidation Loans is not (I don't know why they used "standard" for both).

If you're comfortably over 120, just pick whatever - it won't matter.

You’re the best. Thank you!

[bex1973]

Mar 30, 2022 11:40:31 GMT -5 gretchenindisguise said:

Mar 30, 2022 10:45:07 GMT -5 killercupcake said:

Okay I’m applying.

It’s making me pick a repayment plan. The standard is the most affordable for me but I don’t want to mess it up if I’m supposed to be in a PAYE. Does it matter which one I select?

studentaid.gov/help-center/answers/article/qualifying-repayment-plan-for-pslf

If you aren't over 120, then make sure to pick a payment plan that will be pslf qualifying. 10-year standard is qualifying but Standard Repayment Plan for Direct Consolidation Loans is not (I don't know why they used "standard" for both).

If you're comfortably over 120, just pick whatever - it won't matter.

This is exactly what I did. I knew I was over the 120 mark so I just checked a box since it wouldn't matter. I figured if it all fell apart I would deal with changing payment plan later. Thankfully I don't have to!!!!!!!!!!!!!

[daria0]

Mar 30, 2022 11:40:31 GMT -5 gretchenindisguise said:

Mar 30, 2022 10:45:07 GMT -5 killercupcake said:

Okay I’m applying.

It’s making me pick a repayment plan. The standard is the most affordable for me but I don’t want to mess it up if I’m supposed to be in a PAYE. Does it matter which one I select?

studentaid.gov/help-center/answers/article/qualifying-repayment-plan-for-pslf

If you aren't over 120, then make sure to pick a payment plan that will be pslf qualifying. 10-year standard is qualifying but Standard Repayment Plan for Direct Consolidation Loans is not (I don't know why they used "standard" for both).

If you're comfortably over 120, just pick whatever - it won't matter.

What if I am not sure about my exact number of qualifying payments? Is it better to wait on consolidating until I hear back about my PSLF application? Will I still receive feedback on my number of qualified payments if I haven’t yet consolidated to direct loans? Any advice you could provide is greatly appreciated!

[gretchenindisguise]

Apr 1, 2022 22:41:33 GMT -5 daria0 said:

Mar 30, 2022 11:40:31 GMT -5 gretchenindisguise said:

studentaid.gov/help-center/answers/article/qualifying-repayment-plan-for-pslf

If you aren't over 120, then make sure to pick a payment plan that will be pslf qualifying. 10-year standard is qualifying but Standard Repayment Plan for Direct Consolidation Loans is not (I don't know why they used "standard" for both).

If you're comfortably over 120, just pick whatever - it won't matter.

What if I am not sure about my exact number of qualifying payments? Is it better to wait on consolidating until I hear back about my PSLF application? Will I still receive feedback on my number of qualified payments if I haven’t yet consolidated to direct loans? Any advice you could provide is greatly appreciated!

If you’re possibly anywhere close to 120, the harm in waiting is that a loan over 120 could be forgiven and will be no longer available to consolidate with your lower count loans. There are tons of these stories like this on the fb page.

The only real harm of consolidating now is if ALL of your loans are already direct loans and they are all potentially independently over 120 and you are due a refund. Consolidating them will forfeit that refund.

I was able to know my number exactly by counting up my months “in repayment” and overlapping with my employment history.

Here’s a c&p from the fb page on how to find your loan status history. Feel free to shoot me a pm too if you want me to help figure out the likely counts.

1) Log into studentaid.gov

2) In the My Aid box, click View Details

3) Scroll down to Loan Breakdown

4) For each section that shows a balance, even $0 balance, click View Loans.

5) Select a loan and click View Loan Details

6) Click View Loan Status History

7) Do that for every loan that has a balance, or for any loans included in a consolidation, and note which months are listed as In Repayment



Oh wait - do you still have ffel loans? Is so, you must consolidate so all of the above is for naught. I don’t think they’ll even give you a count, they’ll say you don’t have the right loan type.

[Jalapeñomel]

Apr 1, 2022 23:54:48 GMT -5 gretchenindisguise said:

Apr 1, 2022 22:41:33 GMT -5 daria0 said:

What if I am not sure about my exact number of qualifying payments? Is it better to wait on consolidating until I hear back about my PSLF application? Will I still receive feedback on my number of qualified payments if I haven’t yet consolidated to direct loans? Any advice you could provide is greatly appreciated!

If you’re possibly anywhere close to 120, the harm in waiting is that a loan over 120 could be forgiven and will be no longer available to consolidate with your lower count loans. There are tons of these stories like this on the fb page.

The only real harm of consolidating now is if ALL of your loans are already direct loans and they are all potentially independently over 120 and you are due a refund. Consolidating them will forfeit that refund.

I was able to know my number exactly by counting up my months “in repayment” and overlapping with my employment history.

Here’s a c&p from the fb page on how to find your loan status history. Feel free to shoot me a pm too if you want me to help figure out the likely counts.

1) Log into studentaid.gov

2) In the My Aid box, click View Details

3) Scroll down to Loan Breakdown

4) For each section that shows a balance, even $0 balance, click View Loans.

5) Select a loan and click View Loan Details

6) Click View Loan Status History

7) Do that for every loan that has a balance, or for any loans included in a consolidation, and note which months are listed as In Repayment



Oh wait - do you still have ffel loans? Is so, you must consolidate so all of the above is for naught. I don’t think they’ll even give you a count, they’ll say you don’t have the right loan type.

This only works if you haven’t consolidated yet, right?

[gretchenindisguise]

Apr 2, 2022 6:39:58 GMT -5 Jalapeñomel said:

Apr 1, 2022 23:54:48 GMT -5 gretchenindisguise said:

If you’re possibly anywhere close to 120, the harm in waiting is that a loan over 120 could be forgiven and will be no longer available to consolidate with your lower count loans. There are tons of these stories like this on the fb page.

The only real harm of consolidating now is if ALL of your loans are already direct loans and they are all potentially independently over 120 and you are due a refund. Consolidating them will forfeit that refund.

I was able to know my number exactly by counting up my months “in repayment” and overlapping with my employment history.

Here’s a c&p from the fb page on how to find your loan status history. Feel free to shoot me a pm too if you want me to help figure out the likely counts.

1) Log into studentaid.gov

2) In the My Aid box, click View Details

3) Scroll down to Loan Breakdown

4) For each section that shows a balance, even $0 balance, click View Loans.

5) Select a loan and click View Loan Details

6) Click View Loan Status History

7) Do that for every loan that has a balance, or for any loans included in a consolidation, and note which months are listed as In Repayment



Oh wait - do you still have ffel loans? Is so, you must consolidate so all of the above is for naught. I don’t think they’ll even give you a count, they’ll say you don’t have the right loan type.

This only works if you haven’t consolidated yet, right?

What only works if you haven’t consolidated yet?

[daria0]

Apr 1, 2022 23:54:48 GMT -5 gretchenindisguise said:

Apr 1, 2022 22:41:33 GMT -5 daria0 said:

What if I am not sure about my exact number of qualifying payments? Is it better to wait on consolidating until I hear back about my PSLF application? Will I still receive feedback on my number of qualified payments if I haven’t yet consolidated to direct loans? Any advice you could provide is greatly appreciated!

If you’re possibly anywhere close to 120, the harm in waiting is that a loan over 120 could be forgiven and will be no longer available to consolidate with your lower count loans. There are tons of these stories like this on the fb page.

The only real harm of consolidating now is if ALL of your loans are already direct loans and they are all potentially independently over 120 and you are due a refund. Consolidating them will forfeit that refund.

I was able to know my number exactly by counting up my months “in repayment” and overlapping with my employment history.

Here’s a c&p from the fb page on how to find your loan status history. Feel free to shoot me a pm too if you want me to help figure out the likely counts.

1) Log into studentaid.gov

2) In the My Aid box, click View Details

3) Scroll down to Loan Breakdown

4) For each section that shows a balance, even $0 balance, click View Loans.

5) Select a loan and click View Loan Details

6) Click View Loan Status History

7) Do that for every loan that has a balance, or for any loans included in a consolidation, and note which months are listed as In Repayment



Oh wait - do you still have ffel loans? Is so, you must consolidate so all of the above is for naught. I don’t think they’ll even give you a count, they’ll say you don’t have the right loan type.

Yes, my loans are still FFEL. I was hesitating to consolidate bc the income driven repayment is higher than my current graduated repayment. So, I didn’t want to pay the higher amount until I knew for sure that I qualified. I wasn’t sure if I would still hear from them about how close I am to 120 (I think I have about 10 payments or so to go) without consolidating to direct but it sounds like that isn’t an option. My employer definitely qualifies, so I will consolidate and hope for the best. Thanks!

[gretchenindisguise]

Apr 2, 2022 12:05:37 GMT -5 daria0 said:

Apr 1, 2022 23:54:48 GMT -5 gretchenindisguise said:

If you’re possibly anywhere close to 120, the harm in waiting is that a loan over 120 could be forgiven and will be no longer available to consolidate with your lower count loans. There are tons of these stories like this on the fb page.

The only real harm of consolidating now is if ALL of your loans are already direct loans and they are all potentially independently over 120 and you are due a refund. Consolidating them will forfeit that refund.

I was able to know my number exactly by counting up my months “in repayment” and overlapping with my employment history.

Here’s a c&p from the fb page on how to find your loan status history. Feel free to shoot me a pm too if you want me to help figure out the likely counts.

1) Log into studentaid.gov

2) In the My Aid box, click View Details

3) Scroll down to Loan Breakdown

4) For each section that shows a balance, even $0 balance, click View Loans.

5) Select a loan and click View Loan Details

6) Click View Loan Status History

7) Do that for every loan that has a balance, or for any loans included in a consolidation, and note which months are listed as In Repayment



Oh wait - do you still have ffel loans? Is so, you must consolidate so all of the above is for naught. I don’t think they’ll even give you a count, they’ll say you don’t have the right loan type.

Yes, my loans are still FFEL. I was hesitating to consolidate bc the income driven repayment is higher than my current graduated repayment. So, I didn’t want to pay the higher amount until I knew for sure that I qualified. I wasn’t sure if I would still hear from them about how close I am to 120 (I think I have about 10 payments or so to go) without consolidating to direct but it sounds like that isn’t an option. My employer definitely qualifies, so I will consolidate and hope for the best. Thanks!

You can stay on which payment plan through Oct 2022 (the end of the waiver) and it’ll count. That said - I’d probably submit paperwork for a pslf qualifying one by August in case there are delays in processing.

Also remember that the 10 year standard qualifies (not consolidated standard - see post above with link). It’ll still be more than graduated but may make sense if you only have a few payments left by then.

[Jalapeñomel]

Apr 2, 2022 10:53:57 GMT -5 gretchenindisguise said:

Apr 2, 2022 6:39:58 GMT -5 Jalapeñomel said:

This only works if you haven’t consolidated yet, right?

What only works if you haven’t consolidated yet?

Checking to see the # of months. I tried it and see nothing, but I’m guessing that’s because I consolidated at the beginning of this process, and it only reads up to February 2022.

[gretchenindisguise]

Apr 2, 2022 15:52:51 GMT -5 Jalapeñomel said:

Apr 2, 2022 10:53:57 GMT -5 gretchenindisguise said:

What only works if you haven’t consolidated yet?

Checking to see the # of months. I tried it and see nothing, but I’m guessing that’s because I consolidated at the beginning of this process, and it only reads up to February 2022.

You can find the pre-consolidation information too. It’s the loans that are listed for $0 (it took me a while to figure that out and a mod on fb literally had to walk me through 🤦‍♀️).

[lilypad1126]

Apr 5, 2022 19:30:02 GMT -5 mofongo said:

gretchenindisguise , bex1973 , et al, ok, so H’s loans are now showing up. He actually has 2 loans, oen is subsidized and one is unsubsidized, does that matter?

When I click on loan details and payments it brings me to a page that says we are currently not tracking your payments for PSLF…

Is this normal? Any cause for concern?

This is how mine show up - 1 for unsub, 1 for sub. And for weeks it said they weren’t tracking me, but that was because they hadn’t processed my PSLF stuff. Once they processed that, then they started tracking my payment counts. They still haven’t applied the waiver, but I have faith I’m getting closer!

[lilypad1126]

mofongo, I’m not making payments either, so my payment tracker shows the months that have been part of the student loan pause right now. Once they apply the waiver, then it should show my previous payments. But eventually once they get to your file, these months during the payment pause count. Which really only matter if your previous payments don’t equal 120.

All that to say, it sounds like you are right on track!

[gretchenindisguise]

Apr 5, 2022 19:30:02 GMT -5 mofongo said:

gretchenindisguise, bex1973, et al, ok, so H’s loans are now showing up. He actually has 2 loans, oen is subsidized and one is unsubsidized, does that matter?

When I click on loan details and payments it brings me to a page that says we are currently not tracking your payments for PSLF…

Is this normal? Any cause for concern?

Others have noted it, but yes - it will always look like that - 1 loan with 2 arms (subsidized and unsubsidized) based on how they accrue interest.

Since you’ve already submitted the pslf form, I would expect the blue “we are counting” box to show up soon. If it doesn’t show up in the next week or so, upload the pslf form again through the fedloan upload portal.

[bex1973]

Apr 5, 2022 23:30:35 GMT -5 gretchenindisguise said:

Apr 5, 2022 19:30:02 GMT -5 mofongo said:

gretchenindisguise , bex1973 , et al, ok, so H’s loans are now showing up. He actually has 2 loans, oen is subsidized and one is unsubsidized, does that matter?

When I click on loan details and payments it brings me to a page that says we are currently not tracking your payments for PSLF…

Is this normal? Any cause for concern?

Others have noted it, but yes - it will always look like that - 1 loan with 2 arms (subsidized and unsubsidized) based on how they accrue interest.

Since you’ve already submitted the pslf form, I would expect the blue “we are counting” box to show up soon. If it doesn’t show up in the next week or so, upload the pslf form again through the fedloan upload portal.

Yep - mine showed separately as well. Ditto the above on giving it a minute. You'll likely get a denial message BUT DON'T WORRY it's just because FedLoan sends that - it just mean the Dept of Ed hasn't applied waiver yet!

[gretchenindisguise]

Official announcement from Whitehouse - payment pause extended through Aug 31st!!

Hopefully everyone here has waiver updates by then.

[ellipses84]

Apr 6, 2022 10:07:15 GMT -5 gretchenindisguise said:

Official announcement from Whitehouse - payment pause extended through Aug 31st!!

Hopefully everyone here has waiver updates by then.

What a relief! It would have been even more of an administrative nightmare for everyone trying for PSLF to have to pay and get refunds. I know a lot has been going on in the world but it really made me scratch my head that they delayed the announcement for so long. People were stressed about if they were going to have to start paying again!

I have my theories about $10k? student loan forgiveness timing for all. I think they’ll wait until closer to midterms, have the senate try to push it through and show which Senators are being obstructionist about it and which candidates don’t support it, and if it doesn’t pass, possibly do an Executive Order before November (although I think they need to make sure forgiveness happens prior to Election Day).

[Doggy Mommy]

I was relieved to hear about the pause being extended. I'm still sitting at 1 qualifying payment waiting for the waiver to kick in and really don't want to make any payments while I'm waiting. I already paid 40 extra payments that I'm not going to get back.

[Mushe]

gretchenindisguise, please feel free to tell me to keep researching, but I have a question. My FedLoan account updated with counts that put me at 119 Lolsob. There are also 5 showing they just need employer cert which I understand (Nov 2021 - April 2022), but there are also about 2 dozen ineligible payments showing “no bill due,” but they are months I was in continuous repayment. The discussions in the fb group about removing the no bill due designation seem like they’re different.

Is that what the waiver will do, add in every month I was in continuous repayment? It looks like the waiver was already applied, because I was in the wrong payment plan but those counts are now included.

[wildrice]

Apr 8, 2022 12:40:13 GMT -5 Mushe said:

gretchenindisguise , please feel free to tell me to keep researching, but I have a question. My FedLoan account updated with counts that put me at 119 Lolsob. There are also 5 showing they just need employer cert which I understand (Nov 2021 - April 2022), but there are also about 2 dozen ineligible payments showing “no bill due,” but they are months I was in continuous repayment. The discussions in the fb group about removing the no bill due designation seem like they’re different.

Is that what the waiver will do, add in every month I was in continuous repayment? It looks like the waiver was already applied, because I was in the wrong payment plan but those counts are now included.

I have no explanation for what happened, but I had a couple of years of "no bill due" payments that were originally not qualifying too. My account went from that to having everything forgiven with no updates in between. Annoyingly, once they forgive your loans you can't see any payments at all anymore, so I have no idea if they did end up counting all of those or some of them or none of them. But my loans did go away, so that's good at least.


I would assume something similar will happen to you, but since I never got any sort of explanation about it, who knows!

[Mushe]

Thanks, wildrice! That’s really helpful.

[gretchenindisguise]

Apr 8, 2022 12:40:13 GMT -5 Mushe said:

gretchenindisguise, please feel free to tell me to keep researching, but I have a question. My FedLoan account updated with counts that put me at 119 Lolsob. There are also 5 showing they just need employer cert which I understand (Nov 2021 - April 2022), but there are also about 2 dozen ineligible payments showing “no bill due,” but they are months I was in continuous repayment. The discussions in the fb group about removing the no bill due designation seem like they’re different.

Is that what the waiver will do, add in every month I was in continuous repayment? It looks like the waiver was already applied, because I was in the wrong payment plan but those counts are now included.

Woohoo!! So glad that they finally updated!!!

Those ineligible ones, if you look at your loan status history - are you listed as “in repayment?”