Anyone here doing the PSLF? What kind of status, verifications, qualified payments,

I haven’t submitted in a long time because MOHELA is a fricking disaster and I figure it’ll just get lost. Prolly need to submit anyway but I’m hoping they figure their shite out soon.

We did it, though not all of our qualified payments are there bc our autodraft was earlier than the billing date for those months. Stupid

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We did it, though not all of our qualified payments are there bc our autodraft was earlier than the billing date for those months. Stupid

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you can appeal that

All I have to say is talked with one of my wife's friends on this about 3 years ago. She was at a low paying public college consultation job at a few different universities for maybe 7-8 years and kept submitting over and over on time and for whatever reason only like 1/2 to about 2/3's of her month's payments "qualified". So after 7-8 years her like $70k-$80k debt was now approaching $100k making those minimum payments on the PSLF program and she was still supposedly like 60-ish some qualified months away from hitting the 120 qualified payments needed and finally her husband talked her out of sticking it out with the debt going to six figures nearly and she just got an entirely different job making more twice what she was and she's been throwing like 2-3 grand a month at the SL since then watching the balance go way way down now.

I know not every job is low paying on PSLF program but if you are stuck at a lower paying job and just trying to stick it out and make 120 qualified payments, dont, just get a much higher paying job. 10+ years is a lot of life to waste hoping the government holds up their end of the bargain of a mostly failed program. It definitely was not working out the way she had hoped and gave up and just got a way higher paying job and is knocking out the loans at a much faster rate now.

I did it, but that was during the period Biden expanded what payments qualified and allowed the covid paused months count.

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Biden had a temporary waiver program that would have counted any payment made while she worked for a qualified employer. Did she take advantage of that?

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TEPSLF is still giving relief. It’s a limited fund so the sooner you apply the better. Things are coming back with more flexibility than originally with the eligibility during Covid.

With the new SAVE calculations I am going to save a ton of money. Before my loans would have been paid off at 10 years. We have someone that keeps up with verifications for us at work, they come see anyone signed up once a year and makes sure we have everything on track and that our employment is verified. The biggest PITA was switching from Nelnet to MOHELA, what a shite show.

My wife did this for her grad school loans (she is an educator).

She had like 110 months or so of payments before COVID, and the COVID exception covered the remaining.

There were two employers.

She first had to refinance the loans to MOHELA, that was pretty easy.

She gathered up all the documentation and sent it in. She did not hear back anything at all for 10 months. She would call and they would say they had her paperwork, but it they were forever behind, so no updates. No status on any website, etc.

During this time, we noticed that her credit report showed the loans from Navient (the original servicer) were paid off, then a new loan appeared from MOHELA, then that one just flat dissappeared on her credit report, then a couple of months later it appeared again.

Then one day after 10 months she got a letter from MOHELA saying they had received her paperwork and would be in touch in 6-8 weeks with an update. It said there was a website she could check on status. That night she tried, website said it has no record of her.

THE NEXT DAY she got another letter from MOHELA saying her loans were forgiven in full. About two weeks after that, the MOHELA loans were removed on her credit report. The old Navient ones are still on there, marked paid in full.

Clearly, MOHELA is swamped.

Everything I submit they say there is some paperwork I'm forgetting, it's turned into a joke tbh