PSLF

[underwaterrhymes]

Also! I logged into Nelnet and got an error message. Does that mean Mohela has the loans?

[gretchenindisguise]

Jul 22, 2022 8:52:18 GMT -5 underwaterrhymes said:

Also! I logged into Nelnet and got an error message. Does that mean Mohela has the loans?

Potentially, or it could just be an error - it seems like everything is glitching these days.

Expect them to be in the cloud for 3-4 weeks as they transfer over and then a bit more of a wait for anything actually pslf to happen, but you’ve made it past one stuck point!

[bex1973]

Yay underwaterrhymes! So exciting!

My loans were Mohela and then transferred before Mohela was the provider but I've seen other post similar on the FB group. I think it really depends on your server. Mohela let me log in and showed a zero balance once they were transferred.

[brady2012]

Jul 6, 2022 11:01:58 GMT -5 brady2012 said:

Jul 6, 2022 9:42:43 GMT -5 m15 said:

How do I know if my employer has been certified? I've been at the same employer since 2002. My PSLF form was received in 3/31. I waited on hold for 2 hours last week to have them tell me there's no definitive timeline for any of it. 🤦🏼‍♀️

I consolidated back in November, and then had to change payment plans, so it is only showing four payments as counting. Is that what you are all talking about when it says that those things get updated?

Finally, since I consolidated (finalized in March), I haven't made a payment because it said one wasn't due. Should I still be paying that? I feel like a complete idiot, but don't want to screw anything up!

This is the most frustrating process ever.

I have a similar timeline to you.  I just got a letter last week showing my approved eligible employment to dates.  I've worked for 2 government entities without disruption for 11 years and all of the service was included in what is listed.  The only PSLF payments listed as eligible are the 3 months since I consolidated (I haven't actually made any of those payment since they were during the period of forbearance that runs thru Aug 2022).  Unless it says there is a payment due, you don't have to pay.

Updating for anyone on a similar timeline (consolidated into direct loans in March). I got a letter last night saying my loans have been forgiven and my balance is zero. Thanks to everyone on this thread for all the advice! I probably wouldn’t have even thought to apply if I hadn’t seen it posted here.

[m15]

Jul 23, 2022 2:46:12 GMT -5 brady2012 said:

Jul 6, 2022 11:01:58 GMT -5 brady2012 said:

I have a similar timeline to you.  I just got a letter last week showing my approved eligible employment to dates.  I've worked for 2 government entities without disruption for 11 years and all of the service was included in what is listed.  The only PSLF payments listed as eligible are the 3 months since I consolidated (I haven't actually made any of those payment since they were during the period of forbearance that runs thru Aug 2022).  Unless it says there is a payment due, you don't have to pay.

Updating for anyone on a similar timeline (consolidated into direct loans in March). I got a letter last night saying my loans have been forgiven and my balance is zero. Thanks to everyone on this thread for all the advice! I probably wouldn’t have even thought to apply if I hadn’t seen it posted here.

I also got a letter last night showing my balance as zero. Such a relief!!!

[bex1973]

Jul 23, 2022 22:29:36 GMT -5 m15 said:

Jul 23, 2022 2:46:12 GMT -5 brady2012 said:

Updating for anyone on a similar timeline (consolidated into direct loans in March). I got a letter last night saying my loans have been forgiven and my balance is zero. Thanks to everyone on this thread for all the advice! I probably wouldn’t have even thought to apply if I hadn’t seen it posted here.

I also got a letter last night showing my balance as zero. Such a relief!!!

Hooray for both of you!!!!!!!!!

[okla]

gretchenindisguise

I have a question that maybe you can answer! I looked on the FB group, but still am not sure.

August is my 120th month. I have an updated ECF ready for my HR rep to sign next week, but now I’m not sure where to submit. My loans are still with FedLoan, and I haven’t received any notification that they are moving to MOHELA yet. The ECF form says submit to MOHELA. I still have an “upload PSLF application here” link on FedLoan. Where should I send it? Should I upload to FedLoan and send to MOHELA to cover all my bases?

ETA: Okay, I just found an update from July 1 on the FB group that says I should still send to FedLoan. Should have searched harder before!

[Jalapeñomel]

They upped my count, I’m now out to 51. I think I should get to about 70, but I’m not quite sure yet. I don’t know if my teacher forgiveness will count, which was 5 years.

[gretchenindisguise]

Jul 29, 2022 17:48:48 GMT -5 okla said:

gretchenindisguise

I have a question that maybe you can answer! I looked on the FB group, but still am not sure.

August is my 120th month. I have an updated ECF ready for my HR rep to sign next week, but now I’m not sure where to submit. My loans are still with FedLoan, and I haven’t received any notification that they are moving to MOHELA yet. The ECF form says submit to MOHELA. I still have an “upload PSLF application here” link on FedLoan. Where should I send it? Should I upload to FedLoan and send to MOHELA to cover all my bases?

ETA: Okay, I just found an update from July 1 on the FB group that says I should still send to FedLoan. Should have searched harder before!

Yes! I’m glad you found it. Since you still have your account there, I would send it to Fedloan through the upload portal. If August is your 120th month make sure it’s dated by you and you employer in August.

[gretchenindisguise]

Jul 29, 2022 19:19:22 GMT -5 Jalapeñomel said:

They upped my count, I’m now out to 51. I think I should get to about 70, but I’m not quite sure yet. I don’t know if my teacher forgiveness will count, which was 5 years.

Counts have been coming in fits and spurts.

The months for teacher forgiveness will count if they are otherwise qualifying for pslf. So if you were in repayment, you’re good to go. But teacher forgiveness allows time during forbearance and maybe even grace periods to count, so if you were in one of those repayment statuses then those months in that status wouldn’t count. You can see what status you were in on your studentaid.gov account.

If that doesn’t make sense let me know!

[Jalapeñomel]

Jul 29, 2022 20:03:12 GMT -5 gretchenindisguise said:

Jul 29, 2022 19:19:22 GMT -5 Jalapeñomel said:

They upped my count, I’m now out to 51. I think I should get to about 70, but I’m not quite sure yet. I don’t know if my teacher forgiveness will count, which was 5 years.

Counts have been coming in fits and spurts.

The months for teacher forgiveness will count if they are otherwise qualifying for pslf. So if you were in repayment, you’re good to go. But teacher forgiveness allows time during forbearance and maybe even grace periods to count, so if you were in one of those repayment statuses then those months in that status wouldn’t count. You can see what status you were in on your studentaid.gov account.

If that doesn’t make sense let me know!

Where can I find this on that site?

[gretchenindisguise]

Jul 30, 2022 8:47:43 GMT -5 Jalapeñomel said:

Jul 29, 2022 20:03:12 GMT -5 gretchenindisguise said:

Counts have been coming in fits and spurts.

The months for teacher forgiveness will count if they are otherwise qualifying for pslf. So if you were in repayment, you’re good to go. But teacher forgiveness allows time during forbearance and maybe even grace periods to count, so if you were in one of those repayment statuses then those months in that status wouldn’t count. You can see what status you were in on your studentaid.gov account.

If that doesn’t make sense let me know!

Where can I find this on that site?

Use these instructions to determine eligible months under the Waiver. Your Loan Status History is what ED will use to determine your eligible months - not your servicer payment history. Any month listed as In Repayment even for a day is eligible.

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, 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

[Jalapeñomel]

Jul 30, 2022 10:57:28 GMT -5 gretchenindisguise said:

Jul 30, 2022 8:47:43 GMT -5 Jalapeñomel said:

Where can I find this on that site?

Use these instructions to determine eligible months under the Waiver. Your Loan Status History is what ED will use to determine your eligible months - not your servicer payment history. Any month listed as In Repayment even for a day is eligible.

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, 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

Hmmm, I didn’t this and didn’t have much luck. Clearly, I did something wrong, so I’ll have to try again! Thank you!

[gretchenindisguise]

Jul 30, 2022 11:35:06 GMT -5 Jalapeñomel said:

Jul 30, 2022 10:57:28 GMT -5 gretchenindisguise said:

Use these instructions to determine eligible months under the Waiver. Your Loan Status History is what ED will use to determine your eligible months - not your servicer payment history. Any month listed as In Repayment even for a day is eligible.

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, 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

Hmmm, I didn’t this and didn’t have much luck. Clearly, I did something wrong, so I’ll have to try again! Thank you!

What do you mean you didn't have this? At what step did you get stuck?

Studentaid has been severely glitchy lately - so it's possible it's just down at the moment. 

[Jalapeñomel]

Jul 30, 2022 12:15:36 GMT -5 gretchenindisguise said:

Jul 30, 2022 11:35:06 GMT -5 Jalapeñomel said:

Hmmm, I didn’t this and didn’t have much luck. Clearly, I did something wrong, so I’ll have to try again! Thank you!

What do you mean you didn't have this? At what step did you get stuck?

Studentaid has been severely glitchy lately - so it's possible it's just down at the moment. 

It just says that it’s in forbearance effective date of 1/14/2022. I don’t have any months listed.

[gretchenindisguise]

Jul 30, 2022 18:48:09 GMT -5 Jalapeñomel said:

Jul 30, 2022 12:15:36 GMT -5 gretchenindisguise said:

What do you mean you didn't have this? At what step did you get stuck?

Studentaid has been severely glitchy lately - so it's possible it's just down at the moment. 

It just says that it’s in forbearance effective date of 1/14/2022. I don’t have any months listed.

Ah got it. You consolidated then right?

Look through the loans that say $0 and look at their repayment statuses (it wasn’t intuitive for me either, a mod on the fb group walked me through it).

[carrotsmakemefat]

How have you all gotten an update from a human ? I can’t ever get anyone on the phone & this is now my 3rd email asking for an update on my paperwork :/

[kimmyo73]

MOVEMENT - Not forgiveness yet but f*&^ing movement.

They finally added my employer to the database. It still says likely ineligible but that will change as I work for a public library.

Anything to end not seeing any changes months after I applied.

Also, I took two grad classes last spring which automatically put me in deferment. Will these no-payment COVID count months be screwed up for since I'm technically in deferment?

I need those months.

[gretchenindisguise]

Aug 1, 2022 13:45:43 GMT -5 kimmyo73 said:

MOVEMENT - Not forgiveness yet but f*&^ing movement.

They finally added my employer to the database. It still says likely ineligible but that will change as I work for a public library.

Anything to end not seeing any changes months after I applied.

Also, I took two grad classes last spring which automatically put me in deferment. Will these no-payment COVID count months be screwed up for since I'm technically in deferment?

I need those months.

Yes. You need to request an in-school deferment waiver from your servicer!

Glad you had movement on your employer! A friend has been waiting since October. I’m salty on her behalf.

[gretchenindisguise]

Aug 1, 2022 13:44:54 GMT -5 carrotsmakemefat said:

How have you all gotten an update from a human ? I can’t ever get anyone on the phone & this is now my 3rd email asking for an update on my paperwork :/

I waited on hold for 6 hours.

[Jalapeñomel]

Aug 1, 2022 15:30:25 GMT -5 gretchenindisguise said:

Aug 1, 2022 13:45:43 GMT -5 kimmyo73 said:

MOVEMENT - Not forgiveness yet but f*&^ing movement.

They finally added my employer to the database. It still says likely ineligible but that will change as I work for a public library.

Anything to end not seeing any changes months after I applied.

Also, I took two grad classes last spring which automatically put me in deferment. Will these no-payment COVID count months be screwed up for since I'm technically in deferment?

I need those months.

Yes. You need to request an in-school deferment waiver from your servicer!

Glad you had movement on your employer! A friend has been waiting since October. I’m salty on her behalf.

What’s the in-school waiver? I deferred when I was getting my MAT, will those count?

[gretchenindisguise]

Aug 1, 2022 15:31:50 GMT -5 Jalapeñomel said:

Aug 1, 2022 15:30:25 GMT -5 gretchenindisguise said:

Yes. You need to request an in-school deferment waiver from your servicer!

Glad you had movement on your employer! A friend has been waiting since October. I’m salty on her behalf.

What’s the in-school waiver? I deferred when I was getting my MAT, will those count?

No, those months won't count unless you paid while you were in deferment. If you did, then you need to call your servicer to remove the deferment from those months. 

The difference right now is that with the paused payments, these $0 months count for pslf with qualifying employment, so if you're currently in school but working full time with a qualifying employer, you can waive the automatic school deferment they put your loans in and still have the $0 paused payment months count toward pslf. 

[lucky3]

[mention]jalapenomel [/mention] I received my title 1 teacher forgiveness in 2015 and then forgiveness under the waiver in March. I was skeptical but all of my previous payments that had counted towards forgiveness under the waiver too.

[HoneySpider]

Aug 1, 2022 15:30:25 GMT -5 gretchenindisguise said:

Aug 1, 2022 13:45:43 GMT -5 kimmyo73 said:

MOVEMENT - Not forgiveness yet but f*&^ing movement.

They finally added my employer to the database. It still says likely ineligible but that will change as I work for a public library.

Anything to end not seeing any changes months after I applied.

Also, I took two grad classes last spring which automatically put me in deferment. Will these no-payment COVID count months be screwed up for since I'm technically in deferment?

I need those months.

Yes. You need to request an in-school deferment waiver from your servicer!

Glad you had movement on your employer! A friend has been waiting since October. I’m salty on her behalf.

Ugh that's terrible! I've been waiting since December and am really losing my patience so I can only imagine. My employer shows as eligible in the tool so let's go...

[Jalapeñomel]

Aug 1, 2022 15:51:42 GMT -5 lucky3 said:

[mention]jalapenomel [/mention] I received my title 1 teacher forgiveness in 2015 and then forgiveness under the waiver in March. I was skeptical but all of my previous payments that had counted towards forgiveness under the waiver too.

Oh! This is good to know! They aren’t showing up in my count yet, so maybe that’s the last piece!

[kimmyo73]

Aug 1, 2022 15:30:25 GMT -5 gretchenindisguise said:

Aug 1, 2022 13:45:43 GMT -5 kimmyo73 said:

MOVEMENT - Not forgiveness yet but f*&^ing movement.

They finally added my employer to the database. It still says likely ineligible but that will change as I work for a public library.

Anything to end not seeing any changes months after I applied.

Also, I took two grad classes last spring which automatically put me in deferment. Will these no-payment COVID count months be screwed up for since I'm technically in deferment?

I need those months.

Yes. You need to request an in-school deferment waiver from your servicer!

Glad you had movement on your employer! A friend has been waiting since October. I’m salty on her behalf.

THANKS - I called FedLoan and got the in-school deferment removed and asked that they make it retro to Jan 2021 so I don't miss out on those free COVID waiver months.  They processed the request but I don't know if they will allow it.

[gretchenindisguise]

Aug 2, 2022 12:38:14 GMT -5 kimmyo73 said:

Aug 1, 2022 15:30:25 GMT -5 gretchenindisguise said:

Yes. You need to request an in-school deferment waiver from your servicer!

Glad you had movement on your employer! A friend has been waiting since October. I’m salty on her behalf.

THANKS - I called FedLoan and got the in-school deferment removed and asked that they make it retro to Jan 2021 so I don't miss out on those free COVID waiver months.  They processed the request but I don't know if they will allow it.

Awesome! So glad you called. They should make it retroactive to Jan 2021.

[Doggy Mommy]

I think the loan people forgot about me or something. On June 6th they updated some of my payments. It says I have 119 eligible payments, 111 qualifying and 8 needing employment certification. I called and they said they haven't yet certified one of my employers yet and I just have to wait. It's also not counting any payments before 2011 for some reason. I started paying in 2005. But whatever, once one more month goes by and they certify my other employer I should be done.

I haven't been transferred to MOHELA. I tried to make an account through MOHELA and I couldn't. At this point I just hope they extend the payment freeze again. If they're going to be this freaking slow (I started last November!) I don't want to make payments. I've overpaid enough already.

[kimmyo73]

OMG - I have payment counts on FedLoan. This is completely new. I'm fighting tears of joy at the moment.

[bex1973]

Aug 4, 2022 8:12:28 GMT -5 kimmyo73 said:

OMG - I have payment counts on FedLoan. This is completely new. I'm fighting tears of joy at the moment.

YAY!!!!!!!!!!!!!!!!!