I've asked a couple of times, and they just keep saying call back in July. It's so annoying to me that they skipped an entire year of payments for no rhyme or reason, and I'm afraid if I keep waiting, nothing will ever get done!
What year did they skip and what status were the loans in at that time (i.e. repayment, deferment, forbearance...)?
One of the was from 8/14-5/16, in school deferment. The other is 6/18-4/19 in regular repayment
What year did they skip and what status were the loans in at that time (i.e. repayment, deferment, forbearance...)?
One of the was from 8/14-5/16, in school deferment. The other is 6/18-4/19 in regular repayment
The time of in school deferment won't count.
The 6/18-4/19 should count. I don't know why they miss whole swaths of months for some folks, but it's fairly common. If it's been a while since you submitted a pslf application, you can submit a recent one to get the months in between last submission and this one to count, and to help nudge them. It really should fix itself over time, but I understand the waiting is maddening, especially when there isn't necessarily a rhyme or reason for it.
What year did they skip and what status were the loans in at that time (i.e. repayment, deferment, forbearance...)?
One of the was from 8/14-5/16, in school deferment. The other is 6/18-4/19 in regular repayment
Were you actually in school then?
Regardless, this happened to me too - I had payments that showed that they were in deferment when they definitely were not. It's been over a year but I think I called and asked them to review the payments, and then it magically went from having a ton of payments missing to being forgiven, with no other information or explanation (like I never even found out what my final payment count was, so I didn't get a refund). If it's been a while I would probably call again, but I also assume it will eventually get sorted out, probably without any communication.
I don't think there is anything wrong with asking!
But also keep in mind that there doesn't seem to be a whole lot of rhyme or reason to the order that things are being processed so I wouldn't get too concerned that someone who filed after me is moving faster.
I've asked a couple of times, and they just keep saying call back in July. It's so annoying to me that they skipped an entire year of payments for no rhyme or reason, and I'm afraid if I keep waiting, nothing will ever get done!
That’s weird! When I called about missing counts they resubmitted it and then I got an update in a few weeks. So I don’t think it’d hurt to call again. I always had pretty good luck not being on hold for too long.
One of the was from 8/14-5/16, in school deferment. The other is 6/18-4/19 in regular repayment
The time of in school deferment won't count.
The 6/18-4/19 should count. I don't know why they miss whole swaths of months for some folks, but it's fairly common. If it's been a while since you submitted a pslf application, you can submit a recent one to get the months in between last submission and this one to count, and to help nudge them. It really should fix itself over time, but I understand the waiting is maddening, especially when there isn't necessarily a rhyme or reason for it.
I know I read this, but I didn't process that I put it in deferment (I thought maybe it was in forebearance). Darn! I will ask about the other ones though!
This thread prompted me to look at my PSLF account and now they have counted a lot more payments than they did previously (Yay!). I need to resubmit employment verification. I just want to see if anyone can confirm that, under the expanded forgiveness program, still only full time employment counts, right?
This thread prompted me to look at my PSLF account and now they have counted a lot more payments than they did previously (Yay!). I need to resubmit employment verification. I just want to see if anyone can confirm that, under the expanded forgiveness program, still only full time employment counts, right?
So Gretchen probably has the technical answer, ha, but for me when 2 of my employers checked off part-time, those hours counted also. So I have 28 hours per week from 1 job and they checked off the box that says full time but that’s not enough for the 30 hours, so then for my other 2 jobs they checked off 2 hours per week for part time. So yes it says you must be employed full time but as long as your employer will check off the correct boxes, the hours should count. So my understanding is that if you work 20 hours at one job but they’ll check off the full time box that counts, but you still need 30 hours per week total.
This thread prompted me to look at my PSLF account and now they have counted a lot more payments than they did previously (Yay!). I need to resubmit employment verification. I just want to see if anyone can confirm that, under the expanded forgiveness program, still only full time employment counts, right?
Yes.
Unless like wandering said you have 2 part time qualifying positions that together add up to 30+ hours.
That said - the new rules for pslf starting in July 2023 allow any position of at least 30+ hours. They essentially removed the "full time/part time" nonsense. I've seen some whispers of folks already getting employment counted under the new rule, but I can't guarantee it'll happen until July 2023.
So, now I’m looking at what my payments will be once they restart since it looks like that 20k might not be forgiven.
The standard graduated payments will be 300 a month less than the IBR/REPAYE payments. I have 2 more years till I hit 10 years.
Are IBR plans the only plans that will qualify me for PSLF? Or can I jump back to the standard payments?
You can do the 10 year standard but not one of the longer consolidation standard - they will not qualify. I don’t know why they named them both standard.
Do the calculations to see if filing taxes married but separate helps (if you’re married).
So, now I’m looking at what my payments will be once they restart since it looks like that 20k might not be forgiven.
The standard graduated payments will be 300 a month less than the IBR/REPAYE payments. I have 2 more years till I hit 10 years.
Are IBR plans the only plans that will qualify me for PSLF? Or can I jump back to the standard payments?
You can do the 10 year standard but not one of the longer consolidation standard - they will not qualify. I don’t know why they named them both standard.
Do the calculations to see if filing taxes married but separate helps (if you’re married).
So the standard/level will qualify? Not the graduated standard or extended. I can work with that.
I’ll need to assess filing separate next year. The last time I looked, the taxes were higher than the overall payments. Now, we’re making more so it might be better.
You can do the 10 year standard but not one of the longer consolidation standard - they will not qualify. I don’t know why they named them both standard.
Do the calculations to see if filing taxes married but separate helps (if you’re married).
So the standard/level will qualify? Not the graduated standard or extended. I can work with that.
I’ll need to assess filing separate next year. The last time I looked, the taxes were higher than the overall payments. Now, we’re making more so it might be better.
Thank you!
Have you consolidated and if yes, was your loan less than $7500 when you consolidated? If yes, then the consolidated standard payment works because its a 10 year repayment term. But if your consolidation loan balance was over $7500 then the payment term is longer than 10 years, so it won’t count.
So the standard/level will qualify? Not the graduated standard or extended. I can work with that.
I’ll need to assess filing separate next year. The last time I looked, the taxes were higher than the overall payments. Now, we’re making more so it might be better.
Thank you!
Have you consolidated and if yes, was your loan less than $7500 when you consolidated? If yes, then the consolidated standard payment works because its a 10 year repayment term. But if your consolidation loan balance was over $7500 then the payment term is longer than 10 years, so it won’t count.
So the standard/level will qualify? Not the graduated standard or extended. I can work with that.
I’ll need to assess filing separate next year. The last time I looked, the taxes were higher than the overall payments. Now, we’re making more so it might be better.
Thank you!
Have you consolidated and if yes, was your loan less than $7500 when you consolidated? If yes, then the consolidated standard payment works because its a 10 year repayment term. But if your consolidation loan balance was over $7500 then the payment term is longer than 10 years, so it won’t count.
I hit 120/120 qualifying payments in June and my account was updated to reflect this 2-3 weeks ago. I've been logging in almost daily to see if the forgiveness has gone through but no luck yet. I know it is likely to take quite a while longer but I can't help myself.
I hit 120/120 qualifying payments in June and my account was updated to reflect this 2-3 weeks ago. I've been logging in almost daily to see if the forgiveness has gone through but no luck yet. I know it is likely to take quite a while longer but I can't help myself.
Once my acct reflected the correct payment amount it was about 1 week later for the balance to go to 0. You could call and ask for a time frame.
I hit 120/120 qualifying payments in June and my account was updated to reflect this 2-3 weeks ago. I've been logging in almost daily to see if the forgiveness has gone through but no luck yet. I know it is likely to take quite a while longer but I can't help myself.
I hope it comes swiftly!
Just a warning though- a large part of the forgiveness wave we are seeing today have been waiting since August.
I'm hopeful now that it's unclogged again, things go back to happening more quickly again.
I called last week about the fact that my payment counts still hadn't been updated, and the person I spoke to told me it was because of an error on Mohela's part, and she was resubmitting the forms for me to fix it. I've worked my entire 18 year career in state government, so every single payment I've ever made should qualify (and I've never missed or been late thanks to auto-pay), but it was still showing 0/120 qualifying payments.
I just logged in to check and now it says I'm at 180/120 qualifying payments! The balances still aren't showing as zeros, but based on what I'm reading here, it sounds like I can hope for that to happen soon, yes?
I have also been working on this for almost 2 years with an attitude of "I'll believe it when I see it," and as of today, I'm finally starting to feel more hopeful than that.
I called last week about the fact that my payment counts still hadn't been updated, and the person I spoke to told me it was because of an error on Mohela's part, and she was resubmitting the forms for me to fix it. I've worked my entire 18 year career in state government, so every single payment I've ever made should qualify (and I've never missed or been late thanks to auto-pay), but it was still showing 0/120 qualifying payments.
I just logged in to check and now it says I'm at 180/120 qualifying payments! The balances still aren't showing as zeros, but based on what I'm reading here, it sounds like I can hope for that to happen soon, yes?
I have also been working on this for almost 2 years with an attitude of "I'll believe it when I see it," and as of today, I'm finally starting to feel more hopeful than that.
As little as 2 weeks and as many as 6 months. Hopefully you're in the shorter category!
Depending on when you consolidated - with 180 payments you may also be due a refund. woot woot!
I called last week about the fact that my payment counts still hadn't been updated, and the person I spoke to told me it was because of an error on Mohela's part, and she was resubmitting the forms for me to fix it. I've worked my entire 18 year career in state government, so every single payment I've ever made should qualify (and I've never missed or been late thanks to auto-pay), but it was still showing 0/120 qualifying payments.
I just logged in to check and now it says I'm at 180/120 qualifying payments! The balances still aren't showing as zeros, but based on what I'm reading here, it sounds like I can hope for that to happen soon, yes?
I have also been working on this for almost 2 years with an attitude of "I'll believe it when I see it," and as of today, I'm finally starting to feel more hopeful than that.
As little as 2 weeks and as many as 6 months. Hopefully you're in the shorter category!
Depending on when you consolidated - with 180 payments you may also be due a refund. woot woot!
I wondered about the refund angle. My husband keeps saying that I should also get a refund, and I'm still very much in the "I'll believe it when I see it" mindset about that. I consolidated into Direct Loans last summer, I think it was. How would the refund process work - do I have to do more paperwork, or do they just look at the qualifying payments and timeline and do it automatically? Thank you for all of your insight here!
As little as 2 weeks and as many as 6 months. Hopefully you're in the shorter category!
Depending on when you consolidated - with 180 payments you may also be due a refund. woot woot!
I wondered about the refund angle. My husband keeps saying that I should also get a refund, and I'm still very much in the "I'll believe it when I see it" mindset about that. I consolidated into Direct Loans last summer, I think it was. How would the refund process work - do I have to do more paperwork, or do they just look at the qualifying payments and timeline and do it automatically? Thank you for all of your insight here!
If you consolidated last summer and presumably haven't paid since then because of the covid pause - then there won't be a refund. The overpayments have to be on the current loan for there to be a refund.
I have another question. A lot of my payments don't count because I worked part time - 20 hours a week for 5 years. However there was about a year during that time I worked 30 hours a week (I believe PSLF counts 30 hours as full time). If my former employer verifies I worked 30 hours per week during that time period, should those payments count or do they look at the average of the entire time I worked there?