Post by Jalapeñomel on Mar 4, 2023 15:08:22 GMT -5
DH’s application looked processed, but we got a letter in the mail this week that the form was dated that his employee start date was after his termination date. I checked the form, and it was NOT dated incorrectly, so we resubmitted it.
DH’s application looked processed, but we got a letter in the mail this week that the form was dated that his employee start date was after his termination date. I checked the form, and it was NOT dated incorrectly, so we resubmitted it.
Oh this is a really common mistake. Call and ask for it to be put in for a review. They have a new expedited review process for errors they make that theoretically cuts the wait time from 90 days down to 5.
DH’s application looked processed, but we got a letter in the mail this week that the form was dated that his employee start date was after his termination date. I checked the form, and it was NOT dated incorrectly, so we resubmitted it.
Oh this is a really common mistake. Call and ask for it to be put in for a review. They have a new expedited review process for errors they make that theoretically cuts the wait time from 90 days down to 5.
Oh this is excellent to know. I’ll have him phone on Monday, thank you!
Post by wanderingback on Mar 10, 2023 9:41:09 GMT -5
Ok update- At first I got another message that my form was missing an employment start date, which it wasn’t and that I still only had 40 months of time that qualified.
So I called again and logged back in and in that time it had updated to my 74 qualifying payments! The one they said that’s missing the dates might get me 2 more months, so she resubmitted, but I guess no biggie if it doesn’t count.
What a relief. I never thought I’d have so many qualifying payments, so this post has been so helpful. It seems crazy that I can get $345,000 forgiven but it’s seeming more and more possible each day. Would be so life changing!
Oh this is a really common mistake. Call and ask for it to be put in for a review. They have a new expedited review process for errors they make that theoretically cuts the wait time from 90 days down to 5.
Oh this is excellent to know. I’ll have him phone on Monday, thank you!
Was he able to call? See my post above. Similar issue with them saying a date was wrong and it wasn’t. It seems like the expedited review is happening cause last I called was a week ago and got an update this morning and then when I called this Morning she said she’d put another review in for 3-5 business days for review. I also have never had to wait on hold so calling isn’t too painful!
Post by wanderingback on Mar 16, 2023 12:47:36 GMT -5
Omg I forgot about an internship that I got a small stipend for at a non profit during a leave of absence from med school. I emailed them to see if they’d sign my form and they said of course! So now I have 11 more months that should count! Just uploaded the form today. This would mean I only have 28 more months left, yay yay.
Post by imimahoney on Mar 16, 2023 15:13:41 GMT -5
I've been officially put in the "counting payments category" 🥳 I wonder how long it will all take? Either way, I'm happy to at least see some progression.
Oh this is excellent to know. I’ll have him phone on Monday, thank you!
Was he able to call? See my post above. Similar issue with them saying a date was wrong and it wasn’t. It seems like the expedited review is happening cause last I called was a week ago and got an update this morning and then when I called this Morning she said she’d put another review in for 3-5 business days for review. I also have never had to wait on hold so calling isn’t too painful!
No, but I also got the letter, so I have time at work with no students, so I plan to phone tomorrow!
Post by wanderingback on Apr 6, 2023 5:46:03 GMT -5
Ok the internship I mentioned above was counted so I’m now at 82 payments, wahoo!
Also I’m realizing that I’ll probably (hopefully) get forgiven around the same time daycare payments end, so I’m going to be so rich around that time lol.
Also, does anyone know what’s going on with payment from the pause? I know the Supreme Court heard the case, so now we’re just waiting for the decision and payments will start in 60 days or in August, whichever comes first?
And then are we able to wait until next year to submit our income for new payment amounts? My payment is only $520, and I think my salary is 3x higher now :/ So not looking forward to the new payment amount.
Post by Jalapeñomel on Apr 13, 2023 17:19:18 GMT -5
so i just checked DH’s, and he’s waiting on 80 payments to be certified. i sent in the paperwork again a couple weeks ago, but if they take all 80, he will have made 186 eligible payments. i don’t know how that’s possible, but it’s a fucking game changer.
so i just checked DH’s, and he’s waiting on 80 payments to be certified. i sent in the paperwork again a couple weeks ago, but if they take all 80, he will have made 186 eligible payments. i don’t know how that’s possible, but it’s a fucking game changer.
Yay! Looking back at this post it took about 3 weeks for my additional payments to be certified so hopefully you all don’t have to wait too long!
so i just checked DH’s, and he’s waiting on 80 payments to be certified. i sent in the paperwork again a couple weeks ago, but if they take all 80, he will have made 186 eligible payments. i don’t know how that’s possible, but it’s a fucking game changer.
I haven’t posted in this thread yet, but have been following along to help FI. After a few errors and a lot of time on hold, he got his letter forgiving his $61k in student loans a week or so ago. 🥳🥳 Thanks to all in this thread and especially to gretchenindisguise!
I haven’t posted in this thread yet, but have been following along to help FI. After a few errors and a lot of time on hold, he got his letter forgiving his $61k in student loans a week or so ago. 🥳🥳 Thanks to all in this thread and especially to gretchenindisguise!
Post by Jalapeñomel on Apr 14, 2023 8:20:58 GMT -5
gretchenindisguise, when DH was getting his PhD, he was a teaching assistant. I tried to see if that qualified, but I'm getting mixed results. Do you happen to know?
Woohoo!!! Hopefully within the next month it clears out!
Refund will depend on when you consolidated and just remember that covid refunds of $0 are $0.
So if I didn't consolidate until July and then applied 1 month later than I would get 1 month back?
Any months after consolidation and over the 120 mark will be refunded. But after the consolidation, you shouldn't have been paying because of the payment pause. Were you paying anyways?
gretchenindisguise, when DH was getting his PhD, he was a teaching assistant. I tried to see if that qualified, but I'm getting mixed results. Do you happen to know?
Likely no.
The only scenario where they would count would be if it was full time work, he had waived in school deferment and kept paying on loans taken from before his PhD.
gretchenindisguise , when DH was getting his PhD, he was a teaching assistant. I tried to see if that qualified, but I'm getting mixed results. Do you happen to know?
Quoting myself, because I don't think he worked the required 30 hours. whomp whomp
Post by Jalapeñomel on Apr 14, 2023 9:00:02 GMT -5
One more question...say I have 15 payments to go...if they keep pausing it, and 15 months go by, all of those will be forgiven as well, yes? And if we are currently employed by a qualifying employer, do we have to keep getting our months recertified as we go along or will they sweep in at the end and forgive them all?
One more question...say I have 15 payments to go...if they keep pausing it, and 15 months go by, all of those will be forgiven as well, yes? And if we are currently employed by a qualifying employer, do we have to keep getting our months recertified as we go along or will they sweep in at the end and forgive them all?
Ultimately it's payment not months that get you to forgiveness
One more question...say I have 15 payments to go...if they keep pausing it, and 15 months go by, all of those will be forgiven as well, yes? And if we are currently employed by a qualifying employer, do we have to keep getting our months recertified as we go along or will they sweep in at the end and forgive them all?
Ultimately it's payment not months that get you to forgiveness
@jalepenomel - payment pause months count for PSLF regardless of payment. So yes - those months will count as long as you're at a qualifying employer.
But I don't expect it to go past the current pause. My guess is payments will start back up in September 2023 - so you'll only have to pay after that.
Are you on an income based repayment? Able to do married filing separate to lower payments even further for those last few?
Ultimately it's payment not months that get you to forgiveness
@jalepenomel - payment pause months count for PSLF regardless of payment. So yes - those months will count as long as you're at a qualifying employer.
But I don't expect it to go past the current pause. My guess is payments will start back up in September 2023 - so you'll only have to pay after that.
Are you on an income based repayment? Able to do married filing separate to lower payments even further for those last few?
I also called over to Mohela, and she said that none of the forebearance stuff is in yet, so I have have three gaps with no months being counted, so it's looking good for me too!
So if I didn't consolidate until July and then applied 1 month later than I would get 1 month back?
Any months after consolidation and over the 120 mark will be refunded. But after the consolidation, you shouldn't have been paying because of the payment pause. Were you paying anyways?
I consolidated last spring and then started the application process but my payments weren't paused until 1 or 2 months later (hard to remember). I have to made a payment since Augustish.
Any months after consolidation and over the 120 mark will be refunded. But after the consolidation, you shouldn't have been paying because of the payment pause. Were you paying anyways?
I consolidated last spring and then started the application process but my payments weren't paused until 1 or 2 months later (hard to remember). I have to made a payment since Augustish.
Hmmm. Your payments should have been paused automatically once the consolidation to a direct loan was complete.
If they weren't - you can actually request those payments back now, before forgiveness.
"Refunds During the Payment Pause
You can get a refund for any payment (including auto-debit payments) you make during the payment pause (beginning March 13, 2020). Contact your loan servicer to request that your payment be refunded."
I consolidated last spring and then started the application process but my payments weren't paused until 1 or 2 months later (hard to remember). I have to made a payment since Augustish.
Hmmm. Your payments should have been paused automatically once the consolidation to a direct loan was complete.
If they weren't - you can actually request those payments back now, before forgiveness.
"Refunds During the Payment Pause
You can get a refund for any payment (including auto-debit payments) you make during the payment pause (beginning March 13, 2020). Contact your loan servicer to request that your payment be refunded."