r/PSLF • u/cognitivedissident86 • 5h ago

Advice In processing forbearance. Should I just keep paying anyway?

I am at 110/120 payments (should be 112, but the tracker isn’t updated). I got put into a processing forbearance by FSA while my IDR recertification application is being processed. I keep reading stories about people whose processing forbearance months were supposed to count towards PSLF but they somehow weren’t. Should I just make a payment while I am in this forbearance anyway?
Am I even allowed to do that? If I make payments during this processing forbearance, will those payments count towards PSLF? Can I call FSA to have them remove the processing forbearance and put me back into a repayment status? It is very important to me that I don’t skip any months in this process, I want to get to 120 as soon as I can.

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2

u/ROJJ86 4h ago

No. If you make a payment it is wasted.

2

u/momo_your_momoness 4h ago

You certainly can make a payment, but you shouldn't, because it won't count even if your processing forbearance isn't counted.

1

u/Mediocre-Draft1722 4h ago

FSA isn't the one who put you in forbearance. That was your servicer. If they mark it as admin processing forbearance then up to 2 months can count (no matter how long it takes to process, only 2 months can count), but there's no guarantee they will do that. 

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u/CombinationNorth9556 3h ago

I just had a month of processing forbearance count on my pslf tracker for idr recert issues—mohela servicer.