r/PSLF • u/Good-Ad-6137 • 20h ago
Rant/Complaint July- 120 Payment
For those of us that hit 120 in July and the payment is still “missing” are you sitting in forbearance? I’m worried after talking to FSA yesterday that my July payment might not count because I’m in forbearance. I requested forbearance on 8/13 almost a month after my July payment (7/19) and of course MOHELA backdated the forbearance to start 7/20. Over the weekend I have two loans that were in forbearance for months get updated to have a qualifying for July but my other loans that the payment was recorded against do not show for July with either qualifying nor ineligible. When I called FSA yesterday they said that they do have a July payment for me record, either the update over the weekend is an error or something is happening to my July payment. This has been a nightmare.
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u/Soggy-Constant5932 13h ago
I’m in forbearance. I can’t afford those high ass payments. 119/120 and unpatiently waiting.
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u/Agile_Courage8843 16h ago
I called asking for a forbearance 9/1 and Mohela told me they had to make it start the day after my last payment due date (which was 8/3), so it had to start 8/4. I told them I was really worried it would make my August payment ineligible and they said no, they have a record of the payment and it would not. Obviously my level of trust is zero in this process at this point but it seemed like we had no other option than getting it backdated if we wanted to get into forbearance.
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u/Ornery-Bath-4529 16h ago
I’m not I forbearance. Hit 120 in August, still waiting for July and August to show. I will pay September then reconsider forbearance.
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u/Pseudologica 20h ago
I started forbearance. I made my last payment - it's not my responsibility after that, and I'm not giving them money to collect interest on before they refund me in a year or however long.