So my H has 2 pending payments and his balance has gone up by 12k which is what I think his refund should be. I hope this means we are close to forgiveness and a refund.
Quoting myself because I think they have been forgiven! Zero loan balance as now. This morning it was $51k.
I hope you are correct. If so, then I will be done by Christmas this year as long as my current employer finally gets added to the database.
Just the thought of having this monkey off my back is overwhelming. I don't have words - I literally thought I would carry this burden long into retirement; especially after paying diligently for several years to find that I was on the wrong repayment plan. My heart just sank.
What status are the months listed as on your studentaod.gov account for that time period?
They should have been in repayment status for both of my short payment stints prior to 2013.
I faxed my PSLF application in on 6/9 and got confirmation that it was received on 6/15. MOVEMENT! I might have a financially stable future and not have to be a Walmart greeter in retirement.
I’m a fed and yesterday our HR sent an email about the waiver with links for more info and how to apply. It made me laugh that they waited this long to send something.
pumpkin, as I understand what’s come out, you do need to create a FedLoans account, as they are the PSLF servicer. Mine are now with Mohela, and apparently the Dept of Ed will have them transferred to FedLoans to handle the PSLF portion.
I refinanced and am with Mohela. I didn’t think I qualified since I am with Mohela now and no longer with Direct Loans. Am I wrong on that? I’ve been working in nonprofits for 20+ years and next year is 10 years of MBA payments while working for a nonprofit.
pumpkin , as I understand what’s come out, you do need to create a FedLoans account, as they are the PSLF servicer. Mine are now with Mohela, and apparently the Dept of Ed will have them transferred to FedLoans to handle the PSLF portion.
I refinanced and am with Mohela. I didn’t think I qualified since I am with Mohela now and no longer with Direct Loans. Am I wrong on that? I’ve been working in nonprofits for 20+ years and next year is 10 years of MBA payments while working for a nonprofit.
From my understanding, if they have gone private, then no, you are not qualified for PSLF. If they are not private, then you can consolidate them into Direct Loans and then you would be eligible for forgiveness.
pumpkin, as I understand what’s come out, you do need to create a FedLoans account, as they are the PSLF servicer. Mine are now with Mohela, and apparently the Dept of Ed will have them transferred to FedLoans to handle the PSLF portion.
I refinanced and am with Mohela. I didn’t think I qualified since I am with Mohela now and no longer with Direct Loans. Am I wrong on that? I’ve been working in nonprofits for 20+ years and next year is 10 years of MBA payments while working for a nonprofit.
Mohela services both private and federal loans. If you consolidated them and they are still federal and serviced by Mohela they will qualify. If you refinanced them into private loans they will not qualify and unfortunately there is no way to back them back into federal loans.
The easiest way to check is to log into studentaid.gov. If they are listed there they are federal loans still. If they are not there, they are private.
I refinanced and am with Mohela. I didn’t think I qualified since I am with Mohela now and no longer with Direct Loans. Am I wrong on that? I’ve been working in nonprofits for 20+ years and next year is 10 years of MBA payments while working for a nonprofit.
Mohela services both private and federal loans. If you consolidated them and they are still federal and serviced by Mohela they will qualify. If you refinanced them into private loans they will not qualify and unfortunately there is no way to back them back into federal loans.
The easiest way to check is to log into studentaid.gov. If they are listed there they are federal loans still. If they are not there, they are private.
And my FedLoans are being transferred to Mohela once FedLoan closes for good.
pumpkin , as I understand what’s come out, you do need to create a FedLoans account, as they are the PSLF servicer. Mine are now with Mohela, and apparently the Dept of Ed will have them transferred to FedLoans to handle the PSLF portion.
I refinanced and am with Mohela. I didn’t think I qualified since I am with Mohela now and no longer with Direct Loans. Am I wrong on that? I’ve been working in nonprofits for 20+ years and next year is 10 years of MBA payments while working for a nonprofit.
I was with Mohela and mine were forgiven. I did not refinance though so I'm not sure about that aspect of it - I agree with checking what kind of loans they are.
I faxed my PSLF application in on 6/9 and got confirmation that it was received on 6/15. MOVEMENT! I might have a financially stable future and not have to be a Walmart greeter in retirement.
Post by Jalapeñomel on Jun 28, 2022 5:56:45 GMT -5
I received an update on my payment counts today, and it says 42 need employment verification. All of my payments have been made under the same employer so I’m not quite sure why some counted and others didn’t?
I got updated payment counts today too! Looks like they didn’t count the deferment months or the possible long forbearance periods yet. But all else looks good. I have 114 qualifying, so even without the deferment/forbearance months, I can certify employment for March-August and be done! Never have to pay again!!!
I received an update on my payment counts today, and it says 42 need employment verification. All of my payments have been made under the same employer so I’m not quite sure why some counted and others didn’t?
[mention]gretchenindisguise [/mention]
Woohoo!!
They are doing things incredibly piecemeal right now. Hang tight and those should be updated in the next week or two.
Hmmm, my payment count updated to 115, but I haven’t had time to delve into what’s not counted. I’ve been consolidated and paying since 2006, but only have a qualifying employer since 6/09, but that should still be more than enough.
I received an update on my payment counts today, and it says 42 need employment verification. All of my payments have been made under the same employer so I’m not quite sure why some counted and others didn’t?
[mention]gretchenindisguise [/mention]
Woohoo!!
They are doing things incredibly piecemeal right now. Hang tight and those should be updated in the next week or two.
Hmmm, my payment count updated to 115, but I haven’t had time to delve into what’s not counted. I’ve been consolidated and paying since 2006, but only have a qualifying employer since 6/09, but that should still be more than enough.
It may be the same issue jalepenomel posted about. They're doing things incredibly piecemeal, for reasons I don't understand. Lots are reporting that chunks of months/years aren't showing on initial counts and then within 2 weeks it's all counted. So they may have worked for the same employer from 2010-2022, and 2010-2014 are counting, 2016-2022 are counting, but the years 2014-2016 are missing for no apparent reason. It was all qualifying, on the same ecf, etc.
I can't explain why it's happening, but I can say that they've all been corrected within a week or two.
Hmmm, my payment count updated to 115, but I haven’t had time to delve into what’s not counted. I’ve been consolidated and paying since 2006, but only have a qualifying employer since 6/09, but that should still be more than enough.
It may be the same issue jalepenomel posted about. They're doing things incredibly piecemeal, for reasons I don't understand. Lots are reporting that chunks of months/years aren't showing on initial counts and then within 2 weeks it's all counted. So they may have worked for the same employer from 2010-2022, and 2010-2014 are counting, 2016-2022 are counting, but the years 2014-2016 are missing for no apparent reason. It was all qualifying, on the same ecf, etc.
I can't explain why it's happening, but I can say that they've all been corrected within a week or two.
It may be the same issue jalepenomel posted about. They're doing things incredibly piecemeal, for reasons I don't understand. Lots are reporting that chunks of months/years aren't showing on initial counts and then within 2 weeks it's all counted. So they may have worked for the same employer from 2010-2022, and 2010-2014 are counting, 2016-2022 are counting, but the years 2014-2016 are missing for no apparent reason. It was all qualifying, on the same ecf, etc.
I can't explain why it's happening, but I can say that they've all been corrected within a week or two.
I like this answer, thanks! I’ll keep waiting.
Today I got a letter with an updated count which shows that I’m at 150 qualifying payments and that the “estimated eligibility date for PSLF” is 5/2019. But it doesn’t say anything about them being forgiven, etc. and my account still shows the balance of the loans.
Does this mean they have finally done the count and now I just have to wait for someone to put the pieces together and waive the magic forgiveness wand? And that I might get $ back?
Just trying to understand the process and possible timeframes still to wait.
Today I got a letter with an updated count which shows that I’m at 150 qualifying payments and that the “estimated eligibility date for PSLF” is 5/2019. But it doesn’t say anything about them being forgiven, etc. and my account still shows the balance of the loans.
Does this mean they have finally done the count and now I just have to wait for someone to put the pieces together and waive the magic forgiveness wand? And that I might get $ back?
Just trying to understand the process and possible timeframes still to wait.
Exactly!
Anything you paid after 5/2019 will be refunded! Hopefully forgiveness will come in the next two to four weeks. Yay!!!
Today I got a letter with an updated count which shows that I’m at 150 qualifying payments and that the “estimated eligibility date for PSLF” is 5/2019. But it doesn’t say anything about them being forgiven, etc. and my account still shows the balance of the loans.
Does this mean they have finally done the count and now I just have to wait for someone to put the pieces together and waive the magic forgiveness wand? And that I might get $ back?
Just trying to understand the process and possible timeframes still to wait.
Exactly!
Anything you paid after 5/2019 will be refunded! Hopefully forgiveness will come in the next two to four weeks. Yay!!!
Thank you!
Here’s hoping it’s sooner than later and I can stop thinking about it. 🤞
Your patience and knowledge have been invaluable during this process. Thank you so much!
Hmmm, my payment count updated to 115, but I haven’t had time to delve into what’s not counted. I’ve been consolidated and paying since 2006, but only have a qualifying employer since 6/09, but that should still be more than enough.
It may be the same issue jalepenomel posted about. They're doing things incredibly piecemeal, for reasons I don't understand. Lots are reporting that chunks of months/years aren't showing on initial counts and then within 2 weeks it's all counted. So they may have worked for the same employer from 2010-2022, and 2010-2014 are counting, 2016-2022 are counting, but the years 2014-2016 are missing for no apparent reason. It was all qualifying, on the same ecf, etc.
I can't explain why it's happening, but I can say that they've all been corrected within a week or two.
This is happening to me too. Some payments have been counted, some haven't. One employer has been certified, one hasn't. None of my payments before 2011 have been counted. I called and the person wasn't super helpful. She put some notes in for someone to look at it again or something but basically said I just have to wait. At this point I'm just getting good at waiting.
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!
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.
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.
On the letter where it shows that you have 4 payments, I believe the employment they certified is included in the next block of information (I’m not at home right now so can’t verify, but I think that’s where the information is).
The 4 payments they have certified are the ones FedLoan can see and are thus only post consolidation, because that’s the loan FedLoan currently holds and has access to. Your information now gets passed to the Dept of Ed and they add in all of your counts pre-consolidation. Sometimes it takes 2 weeks between fedloan and dept of ed, sometimes it takes 5 months. Most seem to be in the 2-4 week timeframe.
So yeah, you’re just in another waiting spot, but it’s a good waiting place to be.
And you are correct - no payments are currently due on direct loans (which yours are now because of consolidation). These paused payments count for pslf purposes, so don’t send them any money- you’d be literally burning it. But remember that pslf employment is only certified retroactively, meaning from the date of employer signature and into the past. If you need those months to count, you’ll need to have your employer sign again. I’d probably hold off until you have a Mohela account and can upload it directly to them.
Eta: also many are experiencing their payment counts added piecemeal and a delay between them showing up as eligible and qualifying. So people will see 3 years of payments show up and then a week later 2 more years and a week later two more years. And often times this missing information is not chronological, just random years in the middle for no apparent reason. And the payments will sometimes show up as eligible first, even though your employment is actually already certified, and then a day or so later it transfers to qualifying.
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.
On the letter where it shows that you have 4 payments, I believe the employment they certified is included in the next block of information (I’m not at home right now so can’t verify, but I think that’s where the information is).
The 4 payments they have certified are the ones FedLoan can see and are thus only post consolidation, because that’s the loan FedLoan currently holds and has access to. Your information now gets passed to the Dept of Ed and they add in all of your counts pre-consolidation. Sometimes it takes 2 weeks between fedloan and dept of ed, sometimes it takes 5 months. Most seem to be in the 2-4 week timeframe.
So yeah, you’re just in another waiting spot, but it’s a good waiting place to be.
And you are correct - no payments are currently due on direct loans (which yours are now because of consolidation). These paused payments count for pslf purposes, so don’t send them any money- you’d be literally burning it. But remember that pslf employment is only certified retroactively, meaning from the date of employer signature and into the past. If you need those months to count, you’ll need to have your employer sign again. I’d probably hold off until you have a Mohela account and can upload it directly to them.
Eta: also many are experiencing their payment counts added piecemeal and a delay between them showing up as eligible and qualifying. So people will see 3 years of payments show up and then a week later 2 more years and a week later two more years. And often times this missing information is not chronological, just random years in the middle for no apparent reason. And the payments will sometimes show up as eligible first, even though your employment is actually already certified, and then a day or so later it transfers to qualifying.
Thank you so much! I haven't received a paper letter yet showing the payments. I only see them in my account because I check it every couple of weeks. I will wait for the paper letter and see what it says.
On the letter where it shows that you have 4 payments, I believe the employment they certified is included in the next block of information (I’m not at home right now so can’t verify, but I think that’s where the information is).
The 4 payments they have certified are the ones FedLoan can see and are thus only post consolidation, because that’s the loan FedLoan currently holds and has access to. Your information now gets passed to the Dept of Ed and they add in all of your counts pre-consolidation. Sometimes it takes 2 weeks between fedloan and dept of ed, sometimes it takes 5 months. Most seem to be in the 2-4 week timeframe.
So yeah, you’re just in another waiting spot, but it’s a good waiting place to be.
And you are correct - no payments are currently due on direct loans (which yours are now because of consolidation). These paused payments count for pslf purposes, so don’t send them any money- you’d be literally burning it. But remember that pslf employment is only certified retroactively, meaning from the date of employer signature and into the past. If you need those months to count, you’ll need to have your employer sign again. I’d probably hold off until you have a Mohela account and can upload it directly to them.
Eta: also many are experiencing their payment counts added piecemeal and a delay between them showing up as eligible and qualifying. So people will see 3 years of payments show up and then a week later 2 more years and a week later two more years. And often times this missing information is not chronological, just random years in the middle for no apparent reason. And the payments will sometimes show up as eligible first, even though your employment is actually already certified, and then a day or so later it transfers to qualifying.
Thank you so much! I haven't received a paper letter yet showing the payments. I only see them in my account because I check it every couple of weeks. I will wait for the paper letter and see what it says.
Thank you so much! I haven't received a paper letter yet showing the payments. I only see them in my account because I check it every couple of weeks. I will wait for the paper letter and see what it says.
Ah got it. You may see it in your online mailbox.
Yes, I never got a paper letter or even an email notification, but did have the letter in my inbox when my counts first showed as 2. It took about three weeks after that to get my full count. Also didn’t get a letter or email about that.