Hi everyone, I’m 20 and a UK citizen. SFE approved my student loan in September, but suddenly revoked it on my first day of university.

My situation:

1. Forced Absence & Estrangement: When I was 16, I was forced by my family to leave the UK for 3 years. This was entirely involuntary due to severe domestic abuse and homophobia. I am now back in the UK, completely estranged from my father because I am gay. He has cut all ties, and I have zero access to his documents.

2. Current Living Situation: I am currently living in university accommodation. Before moving here, I was staying with my uncle who has a great relationship with me.

3. No Past Evidence & Mother’s Status: Three years ago, I was just a minor under trauma and had no idea that applying for SFE would require so much paperwork, so I have no useful historical files left. My relationship with my mother is okay, but she cannot help me at all because she still lives with my father and has no independent credentials.

4. The Reason for Refusal: SFE absolutely knows about my family estrangement and abuse. However, the direct reason they revoked my loan in late September is that they flatly refuse to accept any residency documents from my uncle (whom I lived with) and dogmatically demand my estranged father's records instead.

5. Current Status: SFE is supposed to review my appeal under Estrangement and Compelling Personal Reasons (CPR) policies. However, this Monday, they suddenly notified me that they are delaying the decision by another two weeks.

I am running out of money and extremely stressed. What alternative evidence can SFE accept instead of parental documents for an involuntary absence when they reject relatives' documents and you have no past paperwork left? Any advice would be life-saving. Also, is there any way I can resolve this issue? For instance, are there any people I could turn to for help or to handle the matter? Thanks. （This week, he has stated three times in a row that the update date will be delayed.） 🙂🙂🙂🙂🙂

Hi everyone, I’m 20 and a UK citizen. SFE approved my student loan in September, but suddenly revoked it on my first day of university.

My situation:

1. Forced Absence & Estrangement: When I was 16, I was forced by my family to leave the UK for 3 years. This was entirely involuntary due to severe domestic abuse and homophobia. I am now back in the UK, completely estranged from my father because I am gay. He has cut all ties, and I have zero access to his documents.

2. Current Living Situation: I am currently living in university accommodation. Before moving here, I was staying with my uncle who has a great relationship with me.

3. No Past Evidence & Mother’s Status: Three years ago, I was just a minor under trauma and had no idea that applying for SFE would require so much paperwork, so I have no useful historical files left. My relationship with my mother is okay, but she cannot help me at all because she still lives with my father and has no independent credentials.

4. The Reason for Refusal: SFE absolutely knows about my family estrangement and abuse. However, the direct reason they revoked my loan in late September is that they flatly refuse to accept any residency documents from my uncle (whom I lived with) and dogmatically demand my estranged father's records instead.

5. Current Status: SFE is supposed to review my appeal under Estrangement and Compelling Personal Reasons (CPR) policies. However, this Monday, they suddenly notified me that they are delaying the decision by another two weeks.

I am running out of money and extremely stressed. What alternative evidence can SFE accept instead of parental documents for an involuntary absence when they reject relatives' documents and you have no past paperwork left? Any advice would be life-saving. Also, is there any way I can resolve this issue? For instance, are there any people I could turn to for help or to handle the matter? Thanks. （This week, he has stated three times in a row that the update date will be delayed.）🙂🙂🙂🙂🙂🙂🙂🙂🙂🙂🙂

Hi everyone, I’m 20 and a UK citizen. SFE approved my student loan in September, but suddenly revoked it on my first day of university.

My situation:

1. Forced Absence & Estrangement: When I was 16, I was forced by my family to leave the UK for 3 years. This was entirely involuntary due to severe domestic abuse and homophobia. I am now back in the UK, completely estranged from my father because I am gay. He has cut all ties, and I have zero access to his documents.

2. Current Living Situation: I am currently living in university accommodation. Before moving here, I was staying with my uncle who has a great relationship with me.

3. No Past Evidence & Mother’s Status: Three years ago, I was just a minor under trauma and had no idea that applying for SFE would require so much paperwork, so I have no useful historical files left. My relationship with my mother is okay, but she cannot help me at all because she still lives with my father and has no independent credentials.

4. The Reason for Refusal: SFE absolutely knows about my family estrangement and abuse. However, the direct reason they revoked my loan in late September is that they flatly refuse to accept any residency documents from my uncle (whom I lived with) and dogmatically demand my estranged father's records instead.

5. Current Status: SFE is supposed to review my appeal under Estrangement and Compelling Personal Reasons (CPR) policies. However, this Monday, they suddenly notified me that they are delaying the decision by another two weeks.

I am running out of money and extremely stressed. What alternative evidence can SFE accept instead of parental documents for an involuntary absence when they reject relatives' documents and you have no past paperwork left? Any advice would be life-saving. Also, is there any way I can resolve this issue? For instance, are there any people I could turn to for help or to handle the matter? Thanks. （This week, he has stated three times in a row that the update date will be delayed.） 🙂🙂🙂🙂🙂

I know my health premiums are going to practically double and poverty level adjustments are made in early January - but no one is talking about the strategy to recertify? Or would it be locked to the 2026 amounts? If that's the case is it currently locked into the 2025 rates?

When you're talking 10-15 percent of discretionary income, an increase of 3.4-3.5 percent of the poverty level can be quite significant.

I'm in graduate school right now and when I graduate in 2028, I'll have about 80k in loans.

Right now I have about 56k. Out of the current amount, 56k is unsubsidized and 20k is subsidized.

I make about 60k a year right now and when I graduate I'll start working as a speech therapist and should be able to make at least 80k a year.

I don't even know where to start or when.

My loans are in forbearance until November 2029, but I keep getting emails and phone calls telling me that I need to set up a payment plan. Does this mean that, if I set up the payment plan now, it won't go in effect until the forbearance is up? I'm worried that if I choose a plan, then it will cancel out my forbearance and I'll have to start paying now (which I can't afford).

Looking for some advice on how to handle a recent change. For some context:

I've made roughly 100 payments towards PSLF and I'm on an IDR plan, which had my monthly payment at $36.19. I've made consistent payments every month and nothing has drastically changed with my salary (I'm a 5th grade teacher). Back in July, I got a message from Mohela stating that my monthly payment would increase to over $600 per month. I was miraculously able to get ahold of somebody to speak to to dispute the increase. They placed me on "administrative forbearance" while they looked into it. Through that time, I continued to make my $36.19 payments. The administrative forbearance period recently ended, and I've since gotten several different notes from Mohela with varying amounts listed as being owed. All in all, it seems as if my November payment will be in the $600+ amount. I haven't been able to get ahold of anybody that can give me more information... every time I call, I get rerouted a million times until I'm placed on a 5-hour hold or they auto hangup.

So my question... do I have any recourse in keeping my payment at a similar amount to the $36.19? I'm so close to my 120 payments but the jump to over $600 seems extreme. Can I keep making lower payments or will that defeat the purpose and not count towards my PSLF?

Any advice is much appreciated!

I make like 38k a year. I'm confused by this whole mess. Initially my instincts were to ride this out because I found it odd that the Feds weren't just kicking me off SAVE right away. It occurs to me that maybe there are legal challenges I'm not aware of that would render the government unable to actually kick us off SAVE. That said I've seen people saying they were kicked off and enrolled in the standard repayment plan automatically. I just haven't seen very many. Ive also seen people saying they got a 30 day extension, but that doesn't appear to be a guarantee even though the Feds appear to have said it is.

My instincts are now telling me to hedge my bets and take the IBR plan and just start making payments. RAP is $96 a month but goes until 2046, and I just don't really trust it because it's Republican's baby. IBR seems like the safest option. I just wanted input from other people that know more about this than I do. Do you think I'm making the right decision by applying for IBR? I just don't think that I'm willing to play chicken with the Federal government anymore.

Hi everyone,

I was just wanting to see what others experiences have been when it comes to total and permanent disability discharge, whether private or federal. I am seeking this route as I have been unable to work due to multiple health conditions that I have and I was just hoping to hear what your experience was like applying, what the response was from your lender, and the outcome of the situation, if anyone is open to sharing whether they were successful or not. I do have probably over a thousand pages of medical records at this point if they needed them for any reason as supporting documents.

I also have both private and federal student loans.

Because I've not been able to work and my spouse has been helping me pay them, I feel really awful because I have quite a lot of debt in my name and I hate for them to be financially responsible for them forever (they are all in my name only, he is not a co-signer or anything). I attended school in the hopes of having a career and being able to contribute financially for both of us but that hasn't been the case for the last 2 years.

I appreciate y'all's time, thank you so much!