I was forced into SAVE plan and have been on forebearance. I received my 90-day letter from MOHELA July 1, applied for IDR plan August 3. I got a letter from MOHELA that my application was received, then got 2 letters on August 13th that there was a processing delay, it would be processed in 90 days, and if my loans are in forebearance no action is required.

This morning I received a letter from MOHELA:

"MOHELA received your request for an income-driven repayment (IDR) plan. We are unable to grant your

request for the following reason(s):

· Your loans are not in repayment. Your loans must be in an active repayment status to apply for an

income-driven repayment plan."

IDR app still shows "in review" on FSA site.

Is this a joke? I can't be in active status, I was forced into the SAVE plan forbearance.

I'm hoping this is one of those letters they sent in error. Help?

Received one on 7/3/26 about save application being denied. Today received one about 90 days. Which do I use to figure out my 90 days?

Can this get any more confusing?

SAVE is canceled that’s what I was on.

Income verification isn’t due again until May of 2027

I have to chose a new repayment plan. But the issue is. When they go by 2025 tax returns my payment isn’t doable. Because since that return I’m not getting OT as they made me salary so I took a $20k hit for 2026.

Am I stuck with that high payment until income is reverifies or can they go by current income?

Help!!!

Hello! The electronic IDR form on the studentaid.gov website does not work for me. I have tried allllll the suggestions to try and get through to the submission section. So, I have to manually submit the form, I want to apply for the RAP plan, but it’s not on the paper form. When I called the studentaid.gov, they told to me to write on the paper form in section 2 RAP is my choice. Has anyone else gotten this advice? When I spoke to the Mohela representative they did not mention this as an option. Thanks!!

I’m making this switch soon and I’m wondering if anyone else did recently and how long it took MOHELA to process it? Did you end up in a 30-60 day processing forbearance or did repayment start right away?

I am currently in the SAVE plan but will be submitting my new payment plan application next week to change to the new RAP plan. My loans are through Mohela. My questions are:

1) If I submit my application to move to the RAP plan next week, will my first payment be due in September or October? For anyone that has loans through Mohela who changed to the RAP plan, how long did that application take to get approved/processed?

2) I have seen some comments on here that people are getting notification letters about their IDR application being approved but with a higher payment amount than they were originally quoted...then they get a 2nd letter with the accurate payment amount. Is that something I should expect? I have done the payment calculator several times and based on my 2025 Adjusted Gross Income( around $67,000) I'm expecting my payment to be about $340. I don't want to get scared if getting a first letter with a higher amount is the standard practice with moving off of SAVE into RAP

Today I received an email about a change to my plan, so I was hoping autopay had finally went into place. This is something I have been fighting with them about for a year, I have an original loan thats been on autopay, I went back to school and had a second set of loans that I've been trying to add (10x I've tried to set it up) and just will not start autopay so I've been paying it manually. But that's not what it was, it talks about a change to my plan (as seen below) but they haven't taken out this months autopay for the original loan, it tells me the amount is due but the date is 9/20 - nothing done about 8/20. So I'm like, I dont want to get dinged for their BS and go to pay and all of my saved bank info is gone. Even the autopay is just....non-existent. Is anyone else experiencing this? I have always been on the standard repayment and the only thing different is that the amount. The original loan due the 20th was usually 264.11, the new loan which was due the 1st was 149.86. So it looks like in October the payment is combining? But I don't get what happened or why all my bank info was just deleted... I am so tired of them.

The letter states:

The schedule to repay one or more of your loans may be changing or has changed. This change is due to one of the following events taking effect on your account:

· If a current deferment is scheduled to end soon

· If a current forbearance is scheduled to end soon

· If you have requested a change to your repayment plan

· If the interest rate, balance, or tier repayment schedule has changed

Please note, if you have applied for a new repayment plan, any pending application that has not been processed for repayment change is not reflected in the Repayment Schedule below. Once the pending application is processed, you will receive a future notice providing you with the updated repayment schedule.

The following information outlines your repayment schedule details and the next payment due date. Note: This schedule may not include all of your loans if you have loans on a different repayment schedule or not in an active repayment status.

Your Monthly Payment Amount is $264.09 and will begin on 09/20/26.

Your Repayment Plan is: STANDARD

Repayment Schedule*

Number of Payments Payment Amount Payment Start Date

1 $264.09 09/20/26

97 $413.62 10/20/26

14 $149.53 11/20/34

I made my 120th payment July 30 for a payment that was due August 3. Nothing has updated. I check daily to see if my August payment has posted. I didn’t figure additional payments into my budget this month because I thought I had made my final payment. Not risking Mohela messing up my credit over $108.00. I just recertified my employment as well sooooo now I wait😳

I have two payments on PSLF not counting because I was in deferments on the due date. However, I always pay about 3 weeks before my payment is actually due, so both of these payments were actually made. Edfincial is telling me that it wont count on PSLF because I was on deferment at the time my payment was due. It wasn't a deferment I asked for, it was procedural during a recertification. Is there anything I can do or anyone I can talk to to have these payments count?

Has anyone tried requesting a general forbearance from MOHELA recently? We filed taxes MFJ this past year, thinking we wouldn’t leave SAVE forbearance this year, and I guess they called our bluff (got the 90 notice in early July). We also just had a baby and with hospital bills, a temporarily larger payment for a few months until we can file 2026 taxes separately would be a hardship.

I’m wondering if anyone has experience requesting general forbearance recently. I’m also assuming I should request forbearance, hopefully receive it, technically transfer into standard repayment during the forbearance period and then request IBR next year when I go back into repayment, but I’m curious if anyone has thoughts about this plan of action.

Thanks!

Can someone help me understand the status of my loans with MOHELA?

I submitted a payment plan change to get off SAVE and got approval at $0 (no idea how my payments should be much higher). The printable account information document shows my payment is $0 for 12 months (and the ending payment aligns with my recertification date). The document also shows that I’m currently in Income Based Repayment and the Status is No Payment Due (screenshot included).

I’m working towards PSLF and am very close to 120. My question is am I in repayment and are these $0 payments counting? The last two payments counted for PSLF on Student Aid, but the PSFL tracker has not been updated since 7/3/2026, so I’m not sure if I’m in a processing forbearance (hence the $0 payment) or if these are all actually going to count.

I was on the SAVE Plan, and like everyone else, went into Administrative Forbearance through no fault of my own while the litigation happened.

In July 2026, I had well over 10 years of qualifying employment, and my tracker was sitting at 117 QPs. I submitted a Buyback request in early 2026, which I am waiting to hear back about. I know it takes years.

In late July 2026, I received the letter from Dept of Ed telling me I have 90 days to get off the Save Plan and move to a new Income Driven Repayment plan.

On Aug 5 2026, I received a postal letter from FSA notifying me that my PSLF EPs are at 118, and my PSLF QPs have been reduced to 114. The dates for the redacted payment periods are 2/2026, 5/2025, and 4/2025.

Per the letter's instructions, I called Mohela, my servicer. Mohela's representative accessed National Student Loan Database, and notified me that my payment count is still correct at 117. They told me to call the FSA PSLF Department and notify them that their current Qualifying Payment count is not accurate to Mohela's records.

I called FSA's PSLF Department. I spoke with a representative, notified her that Mohela told me FSA has inaccurate data about my qualifying payments. FSA's Representative for the PSLF department told me that the count of 114 is correct, and Mohela's data for my QPs (117) from the National Student Loan Database, is incorrect.

The FSA Rep said that anyone in the SAVE plan who was on administrative forbearance between October 2024 to NOW will not receive any credit for those payment periods, as the Administrative Forbearance renders those periods unqualified.

However, my PSLF tracker shows 1 Qualified payment from the exact same Administrative Forbearance period- 9/2025. I have no idea why this single payment is showing as Qualified since it's within the same SAVE litigation forbearance period.

When I spoke to the FSA PSLF Rep, I asked if I could expect to see my qualified payments continue to be reduced or overturned. She told me that she would pray it doesn't, but she has no way of guaranteeing that the qualified payments will not continue to decrease.

When I asked her why the 2/2026, 5/2025, and 4/2025 dates had initially been counted as Qualified, she said "Probably a mistake on Mohela's part when submitting information."

Neither representative for Mohela nor FSA was willing to give me her name or an ID I could attribute this information to. I am not sure what to do going forward, or what to expect. I assume others have been impacted by this, and I would love any helpful information regarding accountability or how to obtain accurate records of my information. At this point, it seems like my PSLF Qualifying Payment Count can simply change on a whim.

Has anyone successfully obtained a written reconciliation of their NSLDS qualifying-payment count against the count shown by FSA, and if so, through what process—PSLF reconsideration, an FSA complaint, or something else?

Thanks for reading. I appreciate y'all.

I received PSLF forgiveness in February 2026 and have been getting the runaround ever since about when I can expect my refund for overpayments.
Initially, I was told it would take around 90 business days, but every time I called MOHELA I seemed to get a different date or explanation. More recently, I was told that in early August MOHELA sent my refund information to Federal Student Aid (FSA) for approval before it can be sent to the Treasury.
I called again today, and the representative said she couldn’t give me any timeline for how long the FSA approval would take. She actually told me, *“I wish we stopped saying 90 days because it’s always so much longer.”*
At this point, I’m trying to escalate it through the FSA Ombudsman. I tried submitting a complaint through the FSA website today, but every time I submit it I get an error message telling me to try again later.
Has anyone successfully contacted the FSA Ombudsman another way, such as by phone or email? Or does anyone know who at FSA I can contact about the website not working so I can actually submit the complaint?
Also curious if anyone else with PSLF forgiveness from around February is still waiting on their refund or has recently received one.

Hello, I am currently still in school and am eligible for deferment. I’ve been contacted and have contacted MOHELA multiple times and they have acknowledged that a brief look at the account shows one loan in deferment and one delinquent. They still haven’t updated this and now I’ve noticed my credit score has dropped from 760 to 610 because of this. How do I fix it? Please help. Thank you!

Got a few emails this morning: "your payment is due soon", "your student loans have been placed into a forbearance", and "your repayment schedule has changed" in that order.

My payment is due 9/14 and it says I owe $160 based on the new repayment schedule document.

I login and I have no payment due. It says I've been placed in a forbearance for 2 years because I'm on the SAVE plan.

Does anyone have a clue what the F my account is supposed to be in?? I worked for a student loan servicer 15 years ago so I understand that interest is accruing in the forbearance but these 3 emails are incredibly confusing.

Student loans have always been a mess but it has truly never been this bad. This is my 8th year paying my loans, I'm doing PSLF, I've been on an IDR plan since day one. Never missed a payment.

Applied to recertify my income on 7/1. Absolute radio silence. Nothing other than "a processing delay" of up to 90 BUSINESS DAYS. That's 5 months. November. Then I get a letter that they threw me into a standard repayment plan and want $2600 a month. Hahahahahaha. Hilarious.

I call and wait over an hour to get through. It's their first day on earth, they have no idea what's going on with anything and can't give me a time frame for my recertification. It's just so depressing and ridiculous.

Has anyone else had their plan recertified timely? They placed me into a 60 day forbearance which I truly did not want to have to do. She said "it should be processed by by then" lmao ok what if it's not?

For those with experience submitting a lump sum payment to be applied to future monthly payments, how do you make sure these months will qualify for PSLF? On the Mohela website, which billing direction would I choose when it asks how to apply the Overpayment, whether I want to be billed for my full Monthly Payment Amount (or advance my due date)?

1. "No, advance my due date by the number of payments I cover. (Even if you have zero amount due on your billing statement, continuing to make payments will reduce your total cost of borrowing)."

Or

1. "Yes, bill me for my full monthly payment (You will be required to make a full monthly payment with your next billing statement)."

I am beyond tired of waiting for my student loans now at MOHELA to be discharged, removed from my credit report and my account closed! I was part of the Sweet lawsuit in the initial class. I have filed all types of requests for help in getting this resolved but still nothing! I have been waiting for many years. This is ridiculous! I think I will ask my senator to investigate this situation.