PSLF

[Doggy Mommy]

Here's my timeline:
-Nov: Consolidated my loans into Direct Loans. I think I heard back around the 16th that the consolidation went through.
-Nov 18th: Faxed in my PSLF form with the signatures from employers
-Dec 22nd (today): Got a letter saying they received my PSLF application via snail mail. It was dated -Dec 15th. The letter said they will check my form, make sure I have direct loans, and make sure my employers have all been public service organizations. If that's all right, they will request a transfer of my loans and will count my qualifying payments.

I still can't make a fedloans account. Hopefully the paperwork was all done correctly. By my count I think I have 150 payments that are now qualifying. Without the waiver I wouldn't have had a chance at forgiveness so even though it's slow, it's something.

[pumpkin]

Dec 22, 2021 15:02:26 GMT -5 puppyluv said:

I submitted my form on Nov 16th and never got a letter stating they received my form so I called yesterday to be sure they had my records. After a 2 hour hold, I finally got through and confirmed they did receive my forms. The rep said all the signatures looked good and it could take up to 120 days for action to be taken So just waiting for a while now.

Thanks for sharing. That’s about when I submitted my form and I’ve heard nothing thus far, but good to know I’m not the only one.

I’m glad the payments have been pushed out again and I’m hoping I’m all finished with this process by the time they actually restart. I’m crossing my fingers since my loans have been consolidated Fed loans for over 15 years and I’ve already made more than the required # of payments; now just to hear something and get my loans transferred back to the right processor.

[pumpkin]

My Christmas present received on the 24th was the letter confirming my application was received. It’s a start!!

[lucky3]

I did my daily Mohela check and they no longer have my loans! Fed loan hasn’t updated my account balance or reported how many payments but there’s movement!

[gretchenindisguise]

Any of my Dec 13th transfer friends having this?

FSA site is showing me the "you have no federal loans or grants" message.

When my loans were transferred from FedLoan to Mohela - my loans showed on FSA the whole time. Since Dec 13th my loans have showed on FSA the whole time until this morning.

I know at least one other here was in the Dec 13th transfer batch from Mohela to FSA. Do your loans still show on FSA?

ETA: post on Reddit shows it's happening to several people. Must be another glitch.

Eta2: and they're back. It was a nice 30 minute dream lol.

[gretchenindisguise]

Now after 6 weeks on stupidness, my loans are back on FedLoan. Now hurry up and forgive them! Lol.

[Jalapeñomel]

I got a letter in the mail to tell me that I need to update my references, but I cannot figure out for the life of me where or how to do that.

[gretchenindisguise]

Dec 28, 2021 20:45:15 GMT -5 Jalapeñomel said:

I got a letter in the mail to tell me that I need to update my references, but I cannot figure out for the life of me where or how to do that.

Update what references?

If you need to reach out to FedLoan - I'd suggest sending them a FB message. They'll take a week to get back to you, but they will.

[Jalapeñomel]

Dec 29, 2021 13:22:15 GMT -5 gretchenindisguise said:

Dec 28, 2021 20:45:15 GMT -5 Jalapeñomel said:

I got a letter in the mail to tell me that I need to update my references, but I cannot figure out for the life of me where or how to do that.

Update what references?

If you need to reach out to FedLoan - I'd suggest sending them a FB message. They'll take a week to get back to you, but they will.

I needed two references in my consolidation loan application.

Apparently, they were supposed to send a form, but thankfully I found it online.

[m15]

So my consolidation was approved, but I chose the wrong payment plan(I did standard, not income driven.) When I went to change to income driven, my loan amount is doubled. I know that's normal and happens,but does anyone have any idea how long it stays like that? I can't change my payment plan until the amount goes back to what it should be.

[gretchenindisguise]

Dec 29, 2021 14:26:41 GMT -5 m15 said:

So my consolidation was approved, but I chose the wrong payment plan(I did standard, not income driven.) When I went to change to income driven, my loan amount is doubled. I know that's normal and happens,but does anyone have any idea how long it stays like that? I can't change my payment plan until the amount goes back to what it should be.

I think I've seen just a few days.

[gretchenindisguise]

Dec 29, 2021 14:19:35 GMT -5 Jalapeñomel said:

Dec 29, 2021 13:22:15 GMT -5 gretchenindisguise said:

Update what references?

If you need to reach out to FedLoan - I'd suggest sending them a FB message. They'll take a week to get back to you, but they will.

I needed two references in my consolidation loan application.

Apparently, they were supposed to send a form, but thankfully I found it online.

Ah that makes some sense I suppose. Glad you were able to find it!

[krz1211]

I realized that I qualified under the TEPSLF in September and started the whole process. I already had direct consolidated loans but was with Mohela. In October, they were transferred to FedLoan, and slowly my payments started to show. I received the "trophies" and notice on 11/17 that both of my loans had 120 qualifying payments with an eligible forgiveness date of October 2020! Still waiting for the zero balance and the huge weight to be lifted!

[bex1973]

krz1211, that is amazing!! Congrats!

[bex1973]

So my loans now show on Fed Loan but they're all wonky. I need to not look for a while which is REALLY hard. It only shows 19 qualifying payments but of course there are more - because I've always been with the same employer and under the same repayment plan so in theory if any qualify then they should all qualify. RIGHT?!?!?

I'm sure it's just because they are working on my account but it is nerve wracking!!

Last night I was researching again to make sure the extended repayment plan qualifies under the new waiver and every thing I've read says it does but I got nervous again!

[gretchenindisguise]

Woohoo! Congratulations krz!! I hope it’s soon.

Some progress is being made on my account. They gave me eligible payment counts on the two qualified employers that triggered the switch back to fedloan from mohela. Now I wait for them to approve the one that was for 8 years and had an electronic signature at first. Trying to be like dory and just keep patient patient patient.

[gretchenindisguise]

Dec 30, 2021 10:38:17 GMT -5 bex1973 said:

So my loans now show on Fed Loan but they're all wonky. I need to not look for a while which is REALLY hard. It only shows 19 qualifying payments but of course there are more - because I've always been with the same employer and under the same repayment plan so in theory if any qualify then they should all qualify. RIGHT?!?!?

I'm sure it's just because they are working on my account but it is nerve wracking!!

Last night I was researching again to make sure the extended repayment plan qualifies under the new waiver and every thing I've read says it does but I got nervous again!

So I was just able to log in to fedloan and actually see what is going on with my account, and I'm curious if it's similar with yours.

It looks like they gave me 22 eligible payments at this time - and those are all the covid $0 payments. Nothing else is in there yet. Not even the years of payments that I had with fedloan from 2012-2021 before they stupidly moved my account to mohela for 6 weeks. 

For your 19 qualifying - are those all the covid months already credited and match up with eligible employment from when your submitted ecf (they do qualifying employment retroactively, so even if you said "I'm still working there" they would have only counted through the signature date on the form).

They just need time to keep going through the data and slowly update things. For me they also need to approve 2 more employers and then I should be good to go. I'm really glad to finally be back in a place with movement and not in the stupid holding pattern I've been in for weeks. 

[lucky3]

I received a letter on 12/3 verifying all of my employers qualify. Then on Christmas Eve my loans disappeared from Mohela but nothing is showing up on Fed loan. Every tab is empty, including check my status. Is there somewhere else I should be looking?

[gretchenindisguise]

Dec 30, 2021 11:28:37 GMT -5 lucky3 said:

I received a letter on 12/3 verifying all of my employers qualify. Then on Christmas Eve my loans disappeared from Mohela but nothing is showing up on Fed loan. Every tab is empty, including check my status. Is there somewhere else I should be looking?

They are "in the cloud" and should show up in about two weeks. 

Mine disappeared from Mohela on 12/13 and reappeared on FedLoan 12/27. They always showed on the FSA website (accept during glitching moments).

[wildrice]

Dec 30, 2021 11:17:32 GMT -5 gretchenindisguise said:

Dec 30, 2021 10:38:17 GMT -5 bex1973 said:

So my loans now show on Fed Loan but they're all wonky. I need to not look for a while which is REALLY hard. It only shows 19 qualifying payments but of course there are more - because I've always been with the same employer and under the same repayment plan so in theory if any qualify then they should all qualify. RIGHT?!?!?

I'm sure it's just because they are working on my account but it is nerve wracking!!

Last night I was researching again to make sure the extended repayment plan qualifies under the new waiver and every thing I've read says it does but I got nervous again!

So I was just able to log in to fedloan and actually see what is going on with my account, and I'm curious if it's similar with yours.

It looks like they gave me 22 eligible payments at this time - and those are all the covid $0 payments. Nothing else is in there yet. Not even the years of payments that I had with fedloan from 2012-2021 before they stupidly moved my account to mohela for 6 weeks. 

For your 19 qualifying - are those all the covid months already credited and match up with eligible employment from when your submitted ecf (they do qualifying employment retroactively, so even if you said "I'm still working there" they would have only counted through the signature date on the form).

They just need time to keep going through the data and slowly update things. For me they also need to approve 2 more employers and then I should be good to go. I'm really glad to finally be back in a place with movement and not in the stupid holding pattern I've been in for weeks. 

I'm glad to hear something is finally happening! 

Nothing on my account for at least the last month. IIRC I called the night before Thanksgiving and they were going to review some stuff, and not a thing has been done since. I am getting impatient, especially with the payments I know I made that are for some reason showing up as though I was in forbearance for over 2 years. And for payments made before 2010 which aren't appearing at all, anywhere. 


 

[gretchenindisguise]

Dec 30, 2021 12:11:25 GMT -5 wildrice said:

Dec 30, 2021 11:17:32 GMT -5 gretchenindisguise said:

So I was just able to log in to fedloan and actually see what is going on with my account, and I'm curious if it's similar with yours.

It looks like they gave me 22 eligible payments at this time - and those are all the covid $0 payments. Nothing else is in there yet. Not even the years of payments that I had with fedloan from 2012-2021 before they stupidly moved my account to mohela for 6 weeks. 

For your 19 qualifying - are those all the covid months already credited and match up with eligible employment from when your submitted ecf (they do qualifying employment retroactively, so even if you said "I'm still working there" they would have only counted through the signature date on the form).

They just need time to keep going through the data and slowly update things. For me they also need to approve 2 more employers and then I should be good to go. I'm really glad to finally be back in a place with movement and not in the stupid holding pattern I've been in for weeks. 

I'm glad to hear something is finally happening! 

Nothing on my account for at least the last month. IIRC I called the night before Thanksgiving and they were going to review some stuff, and not a thing has been done since. I am getting impatient, especially with the payments I know I made that are for some reason showing up as though I was in forbearance for over 2 years. And for payments made before 2010 which aren't appearing at all, anywhere. 


 

For the ones pre-2010 - they should come through when the waiver is applied to your account.

I hope the ones showing as in forbearance are fixed soon!

[gretchenindisguise]

Dec 30, 2021 12:11:25 GMT -5 wildrice said:

Dec 30, 2021 11:17:32 GMT -5 gretchenindisguise said:

So I was just able to log in to fedloan and actually see what is going on with my account, and I'm curious if it's similar with yours.

It looks like they gave me 22 eligible payments at this time - and those are all the covid $0 payments. Nothing else is in there yet. Not even the years of payments that I had with fedloan from 2012-2021 before they stupidly moved my account to mohela for 6 weeks. 

For your 19 qualifying - are those all the covid months already credited and match up with eligible employment from when your submitted ecf (they do qualifying employment retroactively, so even if you said "I'm still working there" they would have only counted through the signature date on the form).

They just need time to keep going through the data and slowly update things. For me they also need to approve 2 more employers and then I should be good to go. I'm really glad to finally be back in a place with movement and not in the stupid holding pattern I've been in for weeks. 

I'm glad to hear something is finally happening! 

Nothing on my account for at least the last month. IIRC I called the night before Thanksgiving and they were going to review some stuff, and not a thing has been done since. I am getting impatient, especially with the payments I know I made that are for some reason showing up as though I was in forbearance for over 2 years. And for payments made before 2010 which aren't appearing at all, anywhere. 


 

This is the advice they give over on the FB page for that 2 year forbearance period that seems like it is incorrect.


PSLF NO Bill Situtation
1. For any of those “no bill” times - for those of you that have bank statements, etc - highlight those payments and type up a short and sweet cover letter with the date, your name, that in the following pages they will find where a payment was made every single month because it was on autopay. Explain that your account should already reflect that you were on autopay at the time. Be short, sweet, but make it a clear “statement” rather than a request.
Scan it and save it to a single document. Heck, take pictures and then save it as a single document.
In the section where you can upload documents that’s what you’re going to want to do. can’t remember exactly but think you click PSLF and then can’t remember which choice. Upload it to your account. That will give it a date and time of the upload.
The next day call to confirm that they have received it and you would like to know the status of it because you know that’s been an issue with the Fed loan system which many of your friends have also experienced but it was quickly corrected within just a few days because your account reflects autopay and you uploaded the documentation verifying that you indeed made payments.
If it’s not corrected in about 3-5 days call back to check on the status of things.
Be sure to document the calls. Get the representative name and ID number.
If nothing has happened, reach out to the Federal Ombudsman regarding the situation.
2. For those who have payments "outside of the window," do the same as number 1 of the comments.
3. For those that have a forbearance during a time when they were recalculating your new IDR payment or whatnot, go ahead and send the same thing with the documentation of any proof you have for payments made. State that it appears that you may have been placed in some sort of forbearance during the month or two while they recalculated but you are not sure if that is the case. Let them know that you are willing to make those payments to bring that "ineligible payment" up to date and count. NOTE: It's up to them to supply documentation that YOU AGREED to a forbearance. You can also state the same regarding the fact that you have several friends who had the same issue and were able to resolve it and have their account updated in just a few days. Remember to keep that first upload page short and sweet and don't forget to include/upload any documentation of payments, etc. that you may have.
If you had a no bill month retroactively billed such that you was able to pay now what would have been due then, and the payment was added. If you can prove the “no bill” or “outside window” was their mistake, you were on autopay, and not during any sort of required process (eg IDR recalculation), and you were on autopay, you can request a retroactive bill (for “no bill” months), and/or that your payments which were on auto-draft but “outside window” (and therefore it’s not your fault if they didn’t take the payment within the window) be applied to your bill. This will require though some help through the Federal Ombudsman Group, PHEAA OCA, and/or FSA. Be very specific in your request (Ie don’t ask for a general “manual review”, rather ask that the specific month/year payments be looked at) and provide specifically your desired outcome. Provide all documentation you have.

[wildrice]

Dec 30, 2021 14:34:55 GMT -5 gretchenindisguise said:

Dec 30, 2021 12:11:25 GMT -5 wildrice said:

I'm glad to hear something is finally happening! 

Nothing on my account for at least the last month. IIRC I called the night before Thanksgiving and they were going to review some stuff, and not a thing has been done since. I am getting impatient, especially with the payments I know I made that are for some reason showing up as though I was in forbearance for over 2 years. And for payments made before 2010 which aren't appearing at all, anywhere. 


 

This is the advice they give over on the FB page for that 2 year forbearance period that seems like it is incorrect.


PSLF NO Bill Situtation
1. For any of those “no bill” times - for those of you that have bank statements, etc - highlight those payments and type up a short and sweet cover letter with the date, your name, that in the following pages they will find where a payment was made every single month because it was on autopay. Explain that your account should already reflect that you were on autopay at the time. Be short, sweet, but make it a clear “statement” rather than a request.
Scan it and save it to a single document. Heck, take pictures and then save it as a single document.
In the section where you can upload documents that’s what you’re going to want to do. can’t remember exactly but think you click PSLF and then can’t remember which choice. Upload it to your account. That will give it a date and time of the upload.
The next day call to confirm that they have received it and you would like to know the status of it because you know that’s been an issue with the Fed loan system which many of your friends have also experienced but it was quickly corrected within just a few days because your account reflects autopay and you uploaded the documentation verifying that you indeed made payments.
If it’s not corrected in about 3-5 days call back to check on the status of things.
Be sure to document the calls. Get the representative name and ID number.
If nothing has happened, reach out to the Federal Ombudsman regarding the situation.
2. For those who have payments "outside of the window," do the same as number 1 of the comments.
3. For those that have a forbearance during a time when they were recalculating your new IDR payment or whatnot, go ahead and send the same thing with the documentation of any proof you have for payments made. State that it appears that you may have been placed in some sort of forbearance during the month or two while they recalculated but you are not sure if that is the case. Let them know that you are willing to make those payments to bring that "ineligible payment" up to date and count. NOTE: It's up to them to supply documentation that YOU AGREED to a forbearance. You can also state the same regarding the fact that you have several friends who had the same issue and were able to resolve it and have their account updated in just a few days. Remember to keep that first upload page short and sweet and don't forget to include/upload any documentation of payments, etc. that you may have.
If you had a no bill month retroactively billed such that you was able to pay now what would have been due then, and the payment was added. If you can prove the “no bill” or “outside window” was their mistake, you were on autopay, and not during any sort of required process (eg IDR recalculation), and you were on autopay, you can request a retroactive bill (for “no bill” months), and/or that your payments which were on auto-draft but “outside window” (and therefore it’s not your fault if they didn’t take the payment within the window) be applied to your bill. This will require though some help through the Federal Ombudsman Group, PHEAA OCA, and/or FSA. Be very specific in your request (Ie don’t ask for a general “manual review”, rather ask that the specific month/year payments be looked at) and provide specifically your desired outcome. Provide all documentation you have.

Thanks! Unfortunately, I do not have an account with the bank that I used during that time, and haven't for several years, so I think I'm out of luck getting proof of payment from them. However, I did file a freedom of information act request on November 17th that is still "in progress" that I am hoping will clear all of it up! I wonder how long those take.... I know the holidays have probably made everything slower!

[gretchenindisguise]

Dec 30, 2021 14:50:56 GMT -5 wildrice said:

Dec 30, 2021 14:34:55 GMT -5 gretchenindisguise said:

This is the advice they give over on the FB page for that 2 year forbearance period that seems like it is incorrect.


PSLF NO Bill Situtation
1. For any of those “no bill” times - for those of you that have bank statements, etc - highlight those payments and type up a short and sweet cover letter with the date, your name, that in the following pages they will find where a payment was made every single month because it was on autopay. Explain that your account should already reflect that you were on autopay at the time. Be short, sweet, but make it a clear “statement” rather than a request.
Scan it and save it to a single document. Heck, take pictures and then save it as a single document.
In the section where you can upload documents that’s what you’re going to want to do. can’t remember exactly but think you click PSLF and then can’t remember which choice. Upload it to your account. That will give it a date and time of the upload.
The next day call to confirm that they have received it and you would like to know the status of it because you know that’s been an issue with the Fed loan system which many of your friends have also experienced but it was quickly corrected within just a few days because your account reflects autopay and you uploaded the documentation verifying that you indeed made payments.
If it’s not corrected in about 3-5 days call back to check on the status of things.
Be sure to document the calls. Get the representative name and ID number.
If nothing has happened, reach out to the Federal Ombudsman regarding the situation.
2. For those who have payments "outside of the window," do the same as number 1 of the comments.
3. For those that have a forbearance during a time when they were recalculating your new IDR payment or whatnot, go ahead and send the same thing with the documentation of any proof you have for payments made. State that it appears that you may have been placed in some sort of forbearance during the month or two while they recalculated but you are not sure if that is the case. Let them know that you are willing to make those payments to bring that "ineligible payment" up to date and count. NOTE: It's up to them to supply documentation that YOU AGREED to a forbearance. You can also state the same regarding the fact that you have several friends who had the same issue and were able to resolve it and have their account updated in just a few days. Remember to keep that first upload page short and sweet and don't forget to include/upload any documentation of payments, etc. that you may have.
If you had a no bill month retroactively billed such that you was able to pay now what would have been due then, and the payment was added. If you can prove the “no bill” or “outside window” was their mistake, you were on autopay, and not during any sort of required process (eg IDR recalculation), and you were on autopay, you can request a retroactive bill (for “no bill” months), and/or that your payments which were on auto-draft but “outside window” (and therefore it’s not your fault if they didn’t take the payment within the window) be applied to your bill. This will require though some help through the Federal Ombudsman Group, PHEAA OCA, and/or FSA. Be very specific in your request (Ie don’t ask for a general “manual review”, rather ask that the specific month/year payments be looked at) and provide specifically your desired outcome. Provide all documentation you have.

Thanks! Unfortunately, I do not have an account with the bank that I used during that time, and haven't for several years, so I think I'm out of luck getting proof of payment from them. However, I did file a freedom of information act request on November 17th that is still "in progress" that I am hoping will clear all of it up! I wonder how long those take.... I know the holidays have probably made everything slower!

I actually did a foia around the same time and also haven't had resolution yet. Hopefully soon. I think I've read up to about 6 months.

[wildrice]

Dec 30, 2021 14:54:30 GMT -5 gretchenindisguise said:

Dec 30, 2021 14:50:56 GMT -5 wildrice said:

Thanks! Unfortunately, I do not have an account with the bank that I used during that time, and haven't for several years, so I think I'm out of luck getting proof of payment from them. However, I did file a freedom of information act request on November 17th that is still "in progress" that I am hoping will clear all of it up! I wonder how long those take.... I know the holidays have probably made everything slower!

I actually did a foia around the same time and also haven't had resolution yet. Hopefully soon. I think I've read up to about 6 months.

Ugh. I hope it doesn't take that long! At least we aren't required to make payments right now, but I just want this done with!

[Mushe]

bex1973, try not to worry! It sounds like they aren’t updating the eligible payments based on the waiver yet, but it’ll happen!

[bex1973]

Dec 30, 2021 11:41:56 GMT -5 gretchenindisguise said:

Dec 30, 2021 11:28:37 GMT -5 lucky3 said:

I received a letter on 12/3 verifying all of my employers qualify. Then on Christmas Eve my loans disappeared from Mohela but nothing is showing up on Fed loan. Every tab is empty, including check my status. Is there somewhere else I should be looking?

They are "in the cloud" and should show up in about two weeks. 

Mine disappeared from Mohela on 12/13 and reappeared on FedLoan 12/27. They always showed on the FSA website (accept during glitching moments).

Yep - that is the state I was in until just the other day - nothing on mohela and nothing on FedLoan until they appeared the other day.

[bex1973]

Dec 30, 2021 11:17:32 GMT -5 gretchenindisguise said:

Dec 30, 2021 10:38:17 GMT -5 bex1973 said:

So my loans now show on Fed Loan but they're all wonky. I need to not look for a while which is REALLY hard. It only shows 19 qualifying payments but of course there are more - because I've always been with the same employer and under the same repayment plan so in theory if any qualify then they should all qualify. RIGHT?!?!?

I'm sure it's just because they are working on my account but it is nerve wracking!!

Last night I was researching again to make sure the extended repayment plan qualifies under the new waiver and every thing I've read says it does but I got nervous again!

So I was just able to log in to fedloan and actually see what is going on with my account, and I'm curious if it's similar with yours.

It looks like they gave me 22 eligible payments at this time - and those are all the covid $0 payments. Nothing else is in there yet. Not even the years of payments that I had with fedloan from 2012-2021 before they stupidly moved my account to mohela for 6 weeks. 

For your 19 qualifying - are those all the covid months already credited and match up with eligible employment from when your submitted ecf (they do qualifying employment retroactively, so even if you said "I'm still working there" they would have only counted through the signature date on the form).

They just need time to keep going through the data and slowly update things. For me they also need to approve 2 more employers and then I should be good to go. I'm really glad to finally be back in a place with movement and not in the stupid holding pattern I've been in for weeks. 

I just logged in to check and at quick glance they look like maybe they are from the covid period. Maybe they did those first because it was easier? I don't know.  Patience isn't my strong suit so now that I can see stuff I want them to hurry up LOL

[gretchenindisguise]

Jalapeñomel - huge news just released today that I think will really help you "If you received Teacher Loan Forgiveness, the period of service that led to your eligibility will count towards PSLF (if you certify employment for PSLF for that period)"

studentaid.gov/announcements-events/pslf-limited-waiver%3Ffbclid%3DIwAR0pAs1U3AH7a-oZ4rfORLz9B4ZJRx7M1rQO1UVllG4rxIjCEodUAVsrFnI#which-are-waived

[Jalapeñomel]

Jan 28, 2022 15:29:51 GMT -5 gretchenindisguise said:

Jalapeñomel - huge news just released today that I think will really help you "If you received Teacher Loan Forgiveness, the period of service that led to your eligibility will count towards PSLF (if you certify employment for PSLF for that period)"

studentaid.gov/announcements-events/pslf-limited-waiver%3Ffbclid%3DIwAR0pAs1U3AH7a-oZ4rfORLz9B4ZJRx7M1rQO1UVllG4rxIjCEodUAVsrFnI#which-are-waived

OMG! This is great news!!! But the link is broken for me.