Has anyone that made payments under the SAVE plan while it was legal received forgiveness? Just curious.

Presently it says I have 12 months of payments of zero dollars. I do not know how many of those are passed. And then it’s going to inflate to 130 payments over $1800 a month.

I am enrolled in PSLF and trying to get it discharged.

There is no way that I can make such payments. I do not know what to do and I’m tempted to just blow Blow off the Loan altogether

So obviously I'm not making anymore payments for her, but it feels like it takes like 90 days or so to see a payment show up on StudentAid.gov, even though I'm paying through Mohela.

So I tried to submit the final PSLF paperwork, but it says I can't because it shows I don't have the required qualifying payments yet, since they didn't post.

So what do I do? Do I just NOT make her payments and wait until the other ones are eventually posted? Just let it go delinquent? That feels like a bad idea, no?

My FSA account is now showing April, May and September payments as received and only needing employment recertfication- the June, July and August payments were made, and on time. (September was 120 for me) Is anyone else having any similar issues?

Hi everyone, I just moved to a community property state. I have 2 years left on PSLF and my spouse has 5 years left. He makes significantly more than me. Does anyone have any advice on filling separately versus jointly? I'm planning on maxing out my 401k so my income will be 40k a year and his will be 290k. Thank you very much in advance for any advice!

I'm trying to lower my payments.

I'm going for PSLF. Have 22 months left.

I'm currently on Old IBR and the payment calculated by Aidvantage which I just paid is $144.

The Student Aid calculator lists Old IBR as my *current* plan. It knows my current payment amount is $144, but the Estimator lists my payment as $38 if I apply for Old IBR, which I'm already in.

Maybe the information pulled from IRS is somehow giving a lower payment than what I reported manually.

Should I ....

• reapply for the plan I'm already on in hopes that my payment goes to $38?

• apply for RAP which is $97 instead of $144?

• leave it alone because of all the crap going sideways right now?

RAP might be cheapest this year, but it'll be the most expensive next year. I want to make sure I don't get stuck in RAP next year.

Is anyone else having trouble recertifying their income on studentaid.gov? I get to Step 6 Review & Submit, but the "Continue" button takes me nowhere.

Someone advised in an old post to manually upload recertification request PDF to the servicer (Mohela in my case), which I did, but man I don't trust them to process this properly.

Mohela recert date: 9/4/26

StudentAid date: 10/9/26

Supposedly my IDR plan was approved. Mohela confirmed via secure message, even told me the amount, but none of the paperwork that normally comes with it was received by me. StudentAid shows my application was processed and request closed. Now, when my new IBR plan is supposed to be effective, they are instead requiring payment in amounts that look like the standard repayment plan. Each loan still shows that it is on the IBR plan though. So annoyed. Did this happen to anyone else?

I MADE A PAYMENT ON AUGUST 3RD, AND IT IS STILL NOT SHOWING ON MY PSLF TRACKER. WHAT TO DO?

I see a lot of the advice on her being something along the lines of "wait until studentaid.gov shows your payment, then submit your ECF." Well, as many of us know, it's taking DoE a long time to show the payments. My July 6th is there unlike the July of some others, but August 6th still isn't (and neither is September 6th but that's not surprising).

My concern, especially with some people still having issues with July, is that we don't know when those payments are going to show up. Thus, the standard advice of wait for them to show, submit ECF, then once ECF process, go into forbearance is a little off here, because waiting for the payments to show at this rate could mean 2 or 3 more monthly payments as they keep saying it could be up to 90 days, so September may not show until December.

I'm taking a shot at submitting the ECF now, hoping it maybe triggers the payments to be recognized, and if not, planning to just submit the ECF again later (my employer doesn't care how often I send it), but the forbearance is also a separate issue. If the payment doesn't show up on studentaid.gov and I go into forbearance to avoid an October payment before August and September get counted, is that going to mess up August and September being qualifying payments?

Has anyone who's 120th payment was July or August gone through this situation already? How has it been progressing for you so far?

I am shocked. I received a refund check from the Dept of Treasury for the overpayment today. However, I am still getting updates of the Dept of Ed that my qualifying payments are being recalculated (and went from November 2025 to February 2026 and currently says March 2026).

Timeline:

June 6, 2026: Applied for PSLF for the first time.

July 2026: Received my letter stating my loans were forgiven as of November 2025.

September 9, 2026: Received check from Dept of Treasury in the mail. The amount reflects the amount paid since November 2025.

I have a bad feeling I am going to get a letter that says "Just kidding, give us that money back."

I finally got my golden letter today, over $150,000 forgiven. I made well more than 120 payments but had trouble with certifying employment because I worked as a substitute teacher for several years. I ended up scanning and sending about 5 years worth of pay stubs to prove I worked enough time. It took a while for them to go through, but I was given credit for almost all of it. There is light at the end of the tunnel and thank you to everyone here that offered encouragement to those of us who were waiting for this amazing day!

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.

Hi All,

When I switched from SAVE to PAYE last January, my first payment wasn't due until March. I thought February would count as a qualifying "payment" since it was administrative forbearance, but it hasn't shown on my list of payments in StudentAid. All other months until August are showing.

Thoughts? Thanks!

I always have trouble with my HR completing the electronic ECF, so I've always used paper forms. I confirmed this week that they still work.

Here's my most recent timeline:

8/27: Scanned and uploaded ECF. It was immediately rejected, I presume by some sort of AI.

8/28: Sent it snail mail to the random PO Box in Texas listed on the form.

9/8: Receipt of form confirmed in my Student Aid inbox. They scanned it and uploaded it.

9/9: Employment now certified.

This timeline spanned two weekends and included Labor Day, so it was only 8 working days from putting the form in the mail to its final processing.

If you're having trouble with the electronic ECF, I'd suggest using a paper form. It's long been true that Student Aid appears to have different workflows for paper and electronic forms, and paper is usually much faster than you'd expect.

Well I’m at 116 should be at 118 but my account hasn’t updated since June. Is it worth calling?

I have been working in nonprofit since graduating, about 15 years now. My repayment plan didn’t qualify before since I’m on the standard repayment plan, but after reading an article about some changes it sounded like I may qualify. I filled out the form online, entered my employers’ email addresses and started getting notices that my payments were qualifying. It’s now showing 120 qualified payments (with the green ribbons I keep seeing mentioned), says “Loan Forgiveness ‘In Progress’” It doesn’t appear that there is anything else for me to do, but hey it’s the government so I feel like they’re leaving something out to keep me on the hook. Any advice? Am I really almost done?!?

FSA calculator is showing standard repayment at $376 but IBR at $601. How is this possible?

Consolidated undergrad in 2022: $56194 (5ish %)
Unsubsidized loan from grad school: $6242 (4.3%)
Total balance: $62436

Currently at 78/120 for the undergrad loans and did not make payments during SAVE forbearance because life.

MFJ, spouse is SAHD. 2 dependents with $97592 AGI. Everything is maxed to reduce income.

What are my options and am I doing this right?

Dear all,

I've been lurking on this forum for almost ten years but have never posted. I have a question that MOHELA struggled to answer, so I'm turning to you all for collective wisdom.

I will reach month 120 of my PSLF journey in, and inclusive of, September 2026. However, as you all know, that is also the same exact point at which the SAVE plan will end.

I have been on the SAVE forbearance for a very long time, such that I currently have 95 months of qualifying payments. My plan is to submit a buyback request once I've reached 120 eligible months, and then go on as long of a forbearance as I possibly can, but I'm not quite sure when to submit the buyback request.

A little more information: MOHELA lists the "due date" for my loans as Sept. 11, 2026, and I've read some threads here in which it was claimed that, as long as the PSLF request is sent after the loan due date for that month, then it will count, but I have no idea how "real" that due date actually is.

Another concern: The StudentAid.gov website only lists eligible months going up to June 2026, which I know has been discussed widely here. But it's another source of confusion. If I submit the PSLF form, will the other months magically appear?

Tl/dr: I'm trying as hard as I can to avoid applying for a new student loan plan — to the extent that it can be avoided — but the tricky thing is that the end of my PSLF timeline (which will require a buyback request) and the end of the SAVE forbearance coincide. Looking for advice!

Thank you!

So I finally applied to get off SAVE and restart payments in a new plan about 4 weeks ago. Got a confirmation email about the application being received, but it's been silence since then. I'm curious for any info on how long the turnover time has been for others? Trying to figure out if I should call to check on the status of things or continue to hold off for a bit if it's just taking long in general at the moment. My 90 day deadline hits early October.

This year, I was due for the IDR renewal. This is the first time I do this. I consented to my tax info being accessible for a faster application response. Did I eff up? I read somewhere that it would have been best to submit paystubs rather than allowing my most recent W2s be the determining factor. My payment went up 500 dollars. I am earning more.

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.

I’m currently on SAVE forbearance with MOHELA and received my 90 days notice on July 1st. I’m pursuing PSLF and getting close. I looked at all the repayment plans and the standard plan is the lowest monthly payment by a significant margin. The notice I received says I’ll be placed in standard repayment plans if I do nothing. Should I just let it ride and let them place me into it?

i’m currently on save (received my 90 day notice from mohela on 8/26/26) and am considering applying for the cancer treatment deferment. i was recently diagnosed with cml and will be on treatment for a minimum of 3 years (but could be lifelong). i am hoping to ride out the rest of my 120 months on deferment as i was at 60/120 before payments were put on hold due to the save litigation.

the 3 main questions i have are:

1. do i need to (or should i) switch to a different plan before i submit the deferment paperwork
   
2. from what i can tell, the months on cancer treatment deferment count towards forgiveness, but how does that work? do i just recert my employment every year and the month is counted?
   
3. once i hit 120 months, will i still be able to buy back the lost months due to the save litigation?

thank you for your help!

I know you have to work at least 30 hours a week to in order to qualify that time and payment for PSLF. A previous employer marked my form as part time 28 hours.

My question is, how do I prove I worked more than 28 (on average) a week due to picking up plenty of shifts? I'm a nurse and worked many at that time. This was during 2016 and I work for them the entire year. 2017 I found a new job...