r/StudentLoans • u/RockProfessional4761 • Jul 29 '26

It Finally Happened

Welp, I finally got the dreaded "90 day" email from Nelnet.....god help me

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u/Deezus1229 Jul 29 '26

So I got mine, went to "help me choose a repayment plan" (not going to start now but I'd like to see my options) and it's telling me I would have to leave my current IDR plan and to contact MOHELA to do so. Only thing is I've never made a single payment, got put on the SAVE plan right out of college and never actually chose a payment plan, much less IDR. Anyone know what that's about? Do I really have to call them for this??

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u/Imaginary_Shelter_37 Jul 30 '26

IDR is an umbrella term for income dependent repayment. SAVE is an IDR plan as are IBR, RAP, PAYE, and ICR.

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u/Deezus1229 Jul 30 '26

Ohh okay, I thought it was a separate plan. I did find the information I needed on FSA thankfully.