Mohela 120 payments reddit. I hit 120 PSLF qualifying payments many months ago.

Mohela 120 payments reddit This evening I received a letter confirming that I've made 120 qualifying payments, but saying that I'm not yet eligible for PSLF because I haven't yet reached 120 qualifying payments. Then I immediately submitted a new ECF to put my payment count over 120, since I had still been making payments. You'd think they could automate a process to not include the entire "ineligible" paragraph when qualifying payments are =>120. I still stand by what I said. What is not currently reflected is September or October as qualifying payments. ” I submitted my PSLF employment certification last October and it was marked as "processed" on 10/16/22 but my payment tracker counts are still not updated. If Mohela has a flow sheet and if you word things, especially with a new rep, they assume uh forbearance because you can’t pay (yes, the damn payment they miscalculated, but can’t pay-so financial hardship forebearance—which do not count in qualifying payments) My September payment is on forebearance while my loans consolidate. "Until your loans have been forgiven, you need to keep making payments. Keep track of every phone call, every letter, contact your national and state level ombudsman (if you have one). I was about to post the same thing. 2022: Final ECF sent to MOHELA. Read the notice on the MOHELA account home page: Important Account Update We are in the process of updating your account. It doesn’t matter if the payment is on only or mostly or partially the interest. On top of that most of my past payments were added to the ineligible list with the reason stating that no payment was due/bill not issued and therefore payment is ineligible. 94 in May 2025!?!? Copied from letter: Repayment Plan: INCOME-DRIVEN REPAYMENT (IDR) Number of Payments Payment Amount Payment Start Date 10 payments: $52. Today it shows $291k and nothing going towards the 120 qualifying payments. I’m at 120 months right now, so I’ll be submitting a final ECF at the end of March. Why do you think you won’t receive pslf? Is there something in particular you’re How long will it take for MOHELA to process loan forgiveness after 120 qualifying payments have been verified? My letter showing 121 qualifying payments verified by MOHELA from MOHELA Welcome to /r/StudentLoans, the largest and oldest reddit community for discussion, information, and assistance related to the topic of student loan debt. I got a message titled "correspondence Processing delay on 7/31 and another one on 8/5 saying it would be processed within 10 days. 8) existential angst and much gnashing of teeth about why only the unsub portion is gone 9) ??? 10) regret turning down a higher paying job 5 years ago Logged into my Mohela account and saw a new message stating that they have received payment in full for my account (it's been zeroed out as of two days ago). I was told not to expect an update until the end of summer but not to worry because more payments wouldn’t be due in the meantime. After 10 long years I am 1 month away from forgiveness. I sat at three payments, never updated more than that. 6. I did and they said it would take 3-5 business days to be reviewed; on business day 3, my count updated to 120. Get the Reddit app Scan this QR code to download the app now If, while working for a qualifying nonprofit or govt. But my loans have been for over 10 years I consolidated before the cut off time. Darn, I just got one of these letters today too and was super excited, but logged in and saw that I'm still at 119 out of 120 payments. So like ~18-20 payments to update for 6 loans. Two observations with questions: 1) MOHELA says my next payment due date is 9/6, which is my prior monthly due So long as he hits 120 qualifying payments and has qualifying employment when he submits his final form, yes. Please feel free to join the Hi Peeps, If you are currently at 120+ payments and put on admin forbearance while ED reviews your file AND your loans stayed with Mohela check your new transitioned account to ensure If your last consolidation was 2010 then any payment over 120 will be refunded. Update: Loan Forgiveness Effective Date - A Tip When Contacting Mohela They always tell me that after Mohela confirms 120 payments they send it to student aid and its another 90 business days for student aid to confirm 120 payments and authorize mohela to discharge the debt. However, this will be corrected eventually. This morning I got the letter saying I'm not transferring to Mohela, and that I'm staying with FedLoan. My last payment Is in 3 days. I am making my final payment in May as well. I am past my 120 payments and have not yet submitted my pslf again because I was waiting to receive some refunds (see my other post for more info. But where is my count toward the 120 needed for forgiveness? Does this get yeah i have no idea why I got put on it either. How do I actually make a $0 payment so that it counts as one of my 120 qualifying monthly payments? I can’t actually submit a payment on MOHELA for $0, so do I just submit a payment for other amount and enter like $1 or Ohhhhh r/StudentLoans is where you want to be, this is specific to PSLF participants. They were helpful and said “okay! As the person says below, you need to call them and ask them to review it. Happy Dance #1. I wonder if this means the majority of my loans were forgiven (I was a golden e-mail ticket receiver). So far, my full loan Hitting 120 in October, coming out of forbearance tomorrow. I recently hit 121/120 on my loans after it took Mohela about 60 business days to process what should be my final ECF. Mohela shows 120 qualifying TEPSLF payments BUT. I had 75 payments credited toward forgiveness and needed 45 more. I got updated to processed early Jan and have a tracker with 1/120 payments but there should be many moreit’s been at one for a few weeks now. and maybe I still have a smaller loan left to pay? My tier 1 for each of my newest loans say some dollar amount ~$36-76 for 12 payments and tier 2 all say $0 for 120 payments. The government audits every account to make sure you had 120 qualifying payments. Reflects 28 PSLF qualifying payments and 128 TEPSLF qualifying payments. Over the next several months more MOHELA letters came in where they started counting/finding my qualifying payments. I called MOHELA this morning and asked them if I needed to consolidate to have all of Mohela chat this morning: Damon 10:39:05 a. But it's disconcerting to see a payment due in my account alongside multiple messages saying I'm in forbearance and payments will resume in the new year. Have I been lied to that 122 is a larger number than 120? I’m in the same position, and am going to request forbearance if the loan payment pause doesn’t end up getting extended. You aren’t being penalized for not making payments on COVID forbearance eligible student loans. The letter is from pre-covid times and doesn't know how to understand the forbearance months. Two payments were July months in between school years and changing teaching districts. In my case consolidating my $3500 parent plus (no payments made yet) was not beneficial to me. March here too. Is this normal? I tried calling them but never got to speak to a person, just recordings. Those two are frustrating, for sure. My question is what do I do when the payment count on MOHELA says 120 department of ed is 119 and they won’t let me fully apply for forgiveness? We’re so close to the pause and I’m concerned. Today I received eight letters from MOHELA. Called Mohela after seeing 😀 good standing on acct, they said I would be receiving my discharge letter. I am still employed in a government job and should have payments credited for the current COVID period to Aug. I had gotten the letters saying I had hit the 120 payments in April and one of my loans was actually zeroed out right before the transition. I received an email notice today from Mohela stating that only 11 of my payments are eligible for PSLF and I still need 109 payments. The key aspects of the change are that consolidated Direct Loan payments and certain types of deferral will count toward the 120 payment eligibility as with the previous waiver. For some or all of your loans, you will not be due for payment until after December 2023, and your interest rate will be adjusted to 0% through an anticipated end date of December 31, 2023. Was just transferred to Mohela earlier this month. So essentially, the way the rule is written, you have to make 120 qualifying payments, while working for a qualifying employer. However, today Mohela sent me three identical The only downside I can think of is having to call to get the general forbearance removed and having to restart paying if they determine you haven’t made 120 payments. No way this is right but they’ve already messed up my loans on several other counts so seems par for the course. The amount of time this process takes is dependent on FSA, and MOHELA is unable to expedite this process. g. The email stated that my autopay should also be transfered once that is complete. Recently my tracker updated to show 123 qualifying payments. 5 years and was told to consolidate my loans for the SAVE plan and they would go back to the first loan date of 2007 which would give me 120 qualifying (I had already about had that anyway). Regardless I've submitted my last manual ECF yesterday for review. I'm waiting to call them because the transfer from FedLoan to Mohela is still in process and I'm assuming they're slammed. On 1/4 I zeroed out on Mohela, on 1/10 I zeroed out on student aid and on 1/11 received 2 paper checks from the treasury dept. agency, you make a total of 120 payments toward your student loan(s), the remaining balance will be forgiven, The problem is I had 2 or 3 servicer before Mohela, so the first 10 years of payment history are missing and not That certification was marked as "processed" in my Mohela account earlier this week, and my payment tracker now reflects that I've made 120 qualifying payments. I should be getting to 120 once my last employment verification form gets processed, so I guess I need to be more patient. I spoke with fedloans last week, and they were sure that my 120 payments and PSLF application would be processed before the transfer to Mohela. Although I received the letter a few days ago, my online MOHELA account tracker only shows 11 qualifying payments. Those will be counted since I applied for the waiver several years back, but MOHELA told me there is such a backlog with DOE that it might be summer before the feds correct the payment count. would you please mention how long you waited from Mohela's acknowledgment of 120 to viewing a $0 balance? Please remember: Reddit IS NOT a replacement or substitute for a qualified Get the Reddit app Scan this QR code to download the app now. Never got payment count update, transferred to mohela “in september” had no active account until october, again submitted ECF, then again after last payment in november. Spousal consolidation is also well past IDR payments of 20+ years for IDR forgiveness. My loan balances are still That means MOHELA is purposefully delaying the process (whether or not DoE is to partly blame based on what MOHELA says is also unknown) and bilking borrowers for as much money as they can when the Student Loan Payment Pause expires on Currently I have 112/120 payments toward my undergraduate loans (which I consolidated in 2011) and something like 40/120 toward my graduate loan after the adjustments were made. A year ago I consolidated part of my loan to Mohela. I thought that’s what I did when I submitted the PSLF Application. I never saw my final payment count. The woman I talked to at Mohela stated I should get a refund for payments I have made from 9/2017- 4/2020 before the payments were paused. If a November payment shows For example, you have the date in which MOHELA requested the discharge (certified you have made 120 PSLF Qualifying Payments), the date in which Federal Student Aid notified MOHELA they can discharge the loan ("files"/"direct to discharge lists"), and the retroactive date in which the discharge of the loan is effective (this date is important I just had the same experience this evening. " These are from the 6 months since October. 2022: MOHELA letter showed 6 payments remaining. I submitted my ECF on October 3, 2022, to get my August through October 2022 "payments" qualified. October was by 120th, and as of a few days ago the payment tracker updated to 120 out of 120 for both loans, and today after reading through some posts I decided to check on FSA's side, and the two loans there also show 120 once I look at their info. It sounds like you're at 120, as long as you had 120 eligible payments in your fedloan dashboard when you submitted your last ECF. That’s not my question, my question is why the letter shows 123 qualifying payments total but estimated eligibility date shows “N/A. The explanation on the letter said "Your paid in full status may be a result of one of the following: a payment made by you, a payment made on your behalf, or a school refund. I think I got 6 letters in total, the last one I received in 1/2023 stated I was actually at 156/120 payments. If it shows 120+ payments then you are done except the waiting at this point. I have no payment date but I have a reasonable SAVE payment amount listed. I guess I'm now in the amorphous "FSA discharge review" period before the "90 business days" wait to get the paid in full status, and then another 30-45 calendar days to get the letter. Not consolidating and staying in REPAYE, my estimated payment was listed as $500 and $50 for parent plus on I have 120 payments, with over 2 years of deferment from 2010 to 2013 and 8 years of repayment status from 2014 to 2022. I submitted my application on 9/20 with my employer signature for 8/20. After nearly a year, MOHELA has confirmed that I've made 194 qualifying payments! Considering that I did not submit the application until after the 2022 waiver opportunity, I didn't have high hopes for anything. Hi, I received a letter on my MOHELA online portal that stated I have 121 qualifying payments out of 120 and have 142 total eligible payments. My payment tracker updated this week with 3 of 120 payments. I consolidated my loans 7/1/22 and got a letter telling me I had 0/120 qualifying payments. I read elsewhere that if you had put in for that final PSLF showing over 120 payments then this new change from MOHELA to studentaid. I wish that letter had more information, though! I never saw payment count hit 120+. Turned out after 6 months it was never an issue, but I got transferred before it got worked out. Just wanted to encourage anyone wavering on this: I submitted my first ECF in Oct 22 and finally got payment counts on 3/3/23. Congrats! You probably need to re-certify your employment and send The rep told me that the SAVE forbearance will kick in on 8/28 and will continue through 10/31, so I don’t need to extend anything. Counts updated on MOHELA 1/26/23 - final loan with 120 payments (other 5 with > 120 (from 123-126)) PSLF- refunds after 120 payments I finally received THE letter stating my loans are now forgiven as of 9/2017. I'm not close to 120 payments so it's not that critical but still seems like an inordinate amount of I was prepared for MOHELA to withdraw my loan payment tomorrow based on a due date of 10/11 for $635 under SAVE. I haven't received a follow-up letter saying I'm forgiven, but I wouldn't think I should since I don't think I have 120 payments. When I contacted Mohela about it - they said the other was in progress and I likely wouldn't see anything before the 10. Good that you’re thinking about it. However, it shows 10 payments under the SAVE plan and 120 payments of over $2000 as the “balance”? Did anyone else experience this and does it go back to normal at some point. Mohela account shows PSLF "processing" but no payment counter yet. S Elizabeth Warrens CFPB saved me in the end. . 6 letter. In mid January 2023, just a couple weeks ago, the site changed the form status from processing to processed. Like you, my payment shown by Mohela is I went to Student Aid to apply for forgiveness, but it won't let me press the "continue" button. Or check it out in the app stores Once you reach 120 payments, the current PSLF forgiveness process involves getting your 120 certified by Mohela, then a wait of [X] weeks for Dept of Ed verification, then another wait of [X] weeks for Mohela to finally zero your account. Thats the only one I have submitted to MOHELA, and I will resubmit my current employer once the forbearance ends. Then, earlier this week, my qualifying payment counts went up to 121 qualifying Who has over 120 payments with MOHELA furiously waiting for forgiveness? 117 certified payments as of transfer from FEDLOAN. Hi there. About a week later I received messages in my inbox confirming the count but then saying I was ineligible because they couldn’t confirm I was still employed at the time (see previous post - completely incorrect). Letter stated payments need to be verified, which seems like it should be super easy b/c my loans were have been w/ Navient since 2007 and I made all the payments and had same employer the whole time. I neurotically check Mohela’s website daily, waiting for a $0 balance. I called Mohela and asked To be put into 120 payment forbearance she verified a few things checked my account and said congratulations and told me I should receive a letter regarding the forbearance. Yeah I consolidated shortly before submitting my ECFs in October. Doing some math, my last credited period was Oct 2022. 123 eligible per MOHELA waiting since Oct ECF for If you have 120 qualifying payments then the only thing you need to do now is wait for your forgiveness to process. mohela sucks. Also, I was informed by Mohela that on June 11, I will be transferring to a new Mohela platform. 2/16: 120+ qualifying payments 3/28: smiley face on Mohela 3/31: forgiveness email from Mohela and official letter available in my Mohela website messages 4/4: student aid website showed zero balances 4/10: final credit report showed my loans were paid off That is a generic letter that everyone receives. I just got three letters from Mohela on the same morning about a week after 123/120 payments showed up in my tracker. ) On the website it says you will get reimbursed for overpayments. Today I called Mohela and asked them to refund my payments made during COVID forbearance. Yet their website says I have 122 qualifying payments. It wouldn’t allow me to check that I am at 120 because it was not going to count Feb (which would be my 120th payment) for some reason but I did it anyway. I'm supposed to be forgiven in October. You would maintain the 120 payments but forgiveness wouldn't be granted unless you were working for a qualifying employer once to Dept. paying a good amount to Do you remember what your payment due date was, prior to the covid pause? That’s typically when you’ll see the next payment period show up on Mohela. Republicans raised the interest rate for loans. Should expect forgiveness in the next 2-3 months is what she was told. Positive News! On Refunds of payments OVER 120 (Not including the Payments during Covid Pause)--- The Squeaky wheel (and that knows the facts) gets the grease!! Were the 174 payments with Mohela or with another provider? I have 179, but all with Nelnet. " Per Mohela, I have 175 payments toward PSLF. So if you’re expecting 25 over 120 and the last 33 have been $0 you wouldn’t be receiving a refund unfortunately. Yeah, I got an estimated SAVE payment of $120 with the calculator. My HR rep had a hyphenated name. It took FedLoan a full year to count all my payments properly and my payment counts were updated to reflect my 120 payments in August of 2022, about two weeks before I was transferred to MOHELA. This morning, like you, my loan balance is zero. Mine took two months because it says as of 2/1/24, but I just got the discharge today. gov shouldn't matter or delay discharge. I just don’t want to like double my monthly payment 5) for me: mohela zeroes out only the unaubsidized portion without explanation. . The website basically says don’t even bother I'm also less than a year out from 120, so my goal has just been to confirm that ongoing forbearance months count toward the 120 and I'll start paying again when MOHELA figures things out. until today, which now show $10. The commenter suggested that § 685. As soon as you reach your 120 payment goal, your loans are sent to the Department of Education for final review. I've been with Mohela for over a year at this point, never consolidated, 118-120 payments on all 16 loans. When payments start in January can you request forbearance those that have 120 payments? I called Mohela they So they finished transitioning my account to the “new” Mohela, but I’m supposed to only have 13 payments left. 93 07/18/24 120 payments: $1,001. 10:39:29 a. I know I’m at 120 payments as I had 114 as of April 2023 and so October was my 120th payment. I just want this all to be over already. My payment count jumped from <120 to >>120 after the recent change in definition of full-time. Good to know. Probably at 23-24 years in repayment, not including additional 3 years in forbearance. My loans were transferred to MOHELA from FedLoan last summer (2022). Long story for me but essentially I've had mismatching qualifying payment for my consolidated loan (SUB/UNSUB) and have been waiting forever for MOHELA/ED to update my account to match the payments. Either keep your money in a high yield savings account during 0% interest and let it gain interest until payments are due and we know more about the 10/20k forgiveness So as of my June payment I hit 120 payments I went to the FASFA site to submit my PSLF form the question where it asks if you made 120 payments I hit yes- it then gives me a message to select no because my loans are not been for that amount of time. None of the payments made prior to Mohela are showing. Also, the payment summary states that I need Employment Certification for 2 of my loans. 6) letter 2-3 days later 7) studentaid updates 1 week after mohela change. But when I follow the link in the email Mohela’s website it now shows that I have made 126 payments and that I am -6 payments remaining. FSA vs MOHELA loan amount difference after hitting 120 payments Does anyone have a loan amount large enough that FedLoans split it into 2 before transfer to MOHELA? My payment count got updated to 120 on FSA but now one of those loans does not show up whereas it For PSLF, every on time monthly payment counts towards that 120 months of payments while working for a PSLF qualifying employer. Morning y'all! Long time lurker here, as I made my way through the payments. One was a reminder about TEPSLF ending soon (only 15 days late), the second letter was: choice than to Would someone explain this to me? Why will my monthly payment be changing from 52. Ask for deferment, forbearance, or whatever they're willing to apply to your account so payments won't be due (unfortunately, MOHELA won't apply "administrative forbearance" until they show 120 payment counts on their end, even if you're just waiting for them to update their numbers). I submitted ECFs last week from a past employer. Yippeee!! Great news. 12. great, get your extra payment back Mohela is a shitty loan processor (who is being held responsible by the Biden Administration). I hit 120 in June. I received a notice from mohela showing 120 qualifying payments on 3/11 but the site still isn’t updated to reflect that. She told me she spoke with another client who did forbearance waiting on her forgiveness since she had 120 with Mohela. Of Ed. I went to Mohela's website and my loans now show a $0 balance. Hi all, after several months (applied via Direct Loans back in May) my loan information appeared updated in Mohela yesterday and it shows my TEPSLF qualifying payments as 120. 25. Once one or more of your loans has 120 or more qualifying months, they will be sent to FSA for final review and determination. for the above amount. Immediately following my account transition, I got a letter from Mohela that my repayment plan changed. I hit 120 payments. 7/6/23 Employer e-signed form and US Dept of Email sent to Mohela immediately after 7/7/23 Mohela received PSLF form (electronic) 7/18/23 Mohela counts updated to 120 9/13/23 Mohela Smiley face with message “your account is in I hit 120 payments earlier this month and my account was put into forbearance while FSA certified. However, looking at my payment status according to Mohela, I’m at only 12 payments in. My ICR payment after consolidating my parent plus would have been $1000+. Doing the math based on my accepted employment time, I should have 120 payments. Is this because Student Aid hasn't gotten Mohela's information yet? I do have 120 payments and Mohela has put me on Administrative Forbearance. FSA also showing that my last loan info update was 5/31. Called Mohela (maybe a refund but of course couldn't tell me anything). 9/8/22 transfer from aidvantage to mohela 9/14/22 request for refund from mohela, submitted updated ECF and fedloan ECF to mohela 10/11/22 or so loan info populated to mohela 10/14/22 wrong payment amounts with tracker shows Resubmitted July (both in Fedloan). /r/StudentLoans: Reddit's hub for advice, articles, and general discussion about getting and repaying student loans. Hopefully, under the IDR Adjustment and new regulations brought in from July 1st, it should be easier to get the ECF done and accepted sooner for many people. Her loan payment (she's with another servicer) is correct, but mine (with Mohela) is not. A couple months went by then student aid said she only had 118 by their count! She was pissed she could had already have paid the extra two months. My payment counts were updated but are still incorrect. I’ve called MOHELA several times and am given a new story every time. Does anyone know what’s For PSLF waiver payment counts to be updated or for loan discharge to occur, we must receive the approval from Federal Student Aid. 12 votes, 34 comments. The letter indicates I am now on an IDR plan will have 12 payments of $0 due in 2024 and 120 $2500 payments starting June 2025. I mentioned that I’d reached 120 payments back in February I finally crossed the 120 qualifying payment threshold for PSLF loan forgiveness. After we receive the approval, it may take up to 90 business days to process this information. I spent 4 days 15 years ago on the phone just to get myself transferred out of India to the U. Got around to telling Mohela its all good to discharge your loans. It may not be today, and may be months from now, but it will happen. My balances are zero (I had 10 direct loans consolidated) and my PSLF counts are gone. I was already in the Mohela system and have 120 payments and the same employer for 21 years. 10/7/2022: Mohela increases count to 178, based on application of PSLF waiver and Mohela’s confirmation that my loans were in compliant repayment status from 10/2007 through 10/2011. If you have this question so do tens of thousands of others. Sigh. Fingers crossed for your forgiveness. I submitted my Employment Certification to Mohela back in August which will put me at 120 payments. I was just notified that my transition to the new Mohela platform was complete so I made a new account and logged in. We have updated your account with the confirmed qualifying employment periods based on the employment information provided and will continue to track your eligibility for PSLF My payment count was updated at the end of March to 118/120, dating back to October 2022. It still says I’m in repayment with an auto debit scheduled for December 12th. In the fall, I signed up for the SAVE plan and MOHELA just sent me a letter with a new repayment schedule that says I now have only 17 payments left on my Subsidized direct loan, but in December 2025, will have 120 payments remaining on my Unsubsidized loan. A few weeks ago when Mohela updated my repayment plan from REPAYE to SAVE the amounts were around $120 a month. I submitted my PSLF application in early July as I had hit 120 qualifying payments in June 2023. Final review and determination from FSA is necessary before MOHELA can process your discharge for PSLF forgiveness. The rep was very nice and helpful but my loan status still hasn’t changed. One is about an employer signature form, if I pursue that I’ll be more than 123 payments. I’ve been teaching 17. m. 31. I’m now approaching 120 payments. I have a few questions that I hope folks can answer: 5/15 submitted my last Employment Certification 5/20 Had my payment count update on Mohela to 120 6/1 had my count go to 120 on FSA To be fair I had been submitting Employment Certifications for the last 10 years and they only had 8 payments to count, I've changed locations of employment a few times but it always went back to the same taxid number. I applied for PSLF in May of 2021 and made my 120th payment in August 2021. It immediately showed up as received and then after a couple of days said processing. After a series of errors on their part, and multiple rounds of "your form is being reprocessed, please wait 90 days", they finally updated my tracker to Mohela has been and continues to tell people unreliable and inconsistent information. 93 to 1,001. I I spoke with an agent as I am waiting for my certification for 120 to reflect. I spoke on the phone with someone from Mohela Monday morning and was told they will begin processing people with 120 qualifying payments within the next week. Submitted my forgiveness form back in Septemeber and just got an email and form from Mohela saying I didn't have 120 qualifying payments. my situation is identical. Called rep who was extremely rude. Congrats!!! Fill out the PSLF help tool (found in your FedLoan account) to apply for forgiveness and make sure your employment eligibility has been verified for all 120 counts (ECF). Or check it out in the app stores Consolidated Direct Loan payments and certain types of deferral now count toward the 120 payment eligibility as with the previous waiver. I reached 120 in August 2022, but MOHELA kept messing up my ECFs and not updating my tracker. Mohela says I don I was part of a September transfer group from FedLoan to Mohela. Trying to figure this out. I was told that applying the PSLF waiver is a second step. I think it was my third or fourth. On 3/28, my balances were reduced to the interest. My payment counts are clearly >120 on MOHELA, so they've acknowledged that. I sent my first ECF to MOHELA in July 2022, and reached 120 payments in August 2022 thanks to the waiver. Actual payment $820. They may be transitioning your loans to the new website. Just wondering if Mohela has actually reimbursed overpayments for anyone? Go to their loan payment plan simulator before consolidating. Both Mohela and FSA showing 120 counts from my last ECF submitted 5/4, but FSA doesn’t have a record of the 5/4 form in my documents. I called MOHELA this past Friday to request forbearance until the process is complete. Applied for PSLF waiver 1/2022 with ECFs. Was placed in forbearance which is set to expire June end and new payment is due beginning of July on the new Mohela platform. 6/6 - payment counts on MOHELA site updated to 121/120. Now my account on Mohela says I have 121 qualifying payments (they counted July 2023), and I have "-1 of 120 to go. Mohela just transferred loan amount to the account. 219(e)(1) should be revised to clarify that the borrower may request loan forgiveness only after making the 120 monthly qualifying payments and while The amount of PSLF appears correct from remaining balances, but not at 120 payments, 172 payments. This was payment 120 for me. I’m absolutely fuming 😡 that may 1 there will be no pslf and I’ll be paying extra months. I called and they said my account will be sent to Dept of Ed for approval/confirmation. These are details I saw in my account last WEEK, however, when I logged in this morning all of that info is gone and it now says my Today I FINALLY got notice from MOHELA that my PSLF was processed however my eligible payments count is at 2! I’ve been paying on my student loans since 2010. The processing goal is 90 Business days. LOL. Is there any chance if I send it to Mohela before may1, they’ll even look at it? View community ranking In the Top 5% of largest communities on Reddit. I understand September will also count as an eligible payment, and I'm wondering if there is any reason I should have my employer submit one last ECF for September and have the additional month added to my qualifying Final PSLF ECF (6 of 6 loans at 120 payments) submitted 11/17/22 Counts partially (literally added 2-3 on each loan despite having submitted ECF for ~18 months) updated last week of December 2022. My loans were consolidated and transferred to Mohela as the servicer. The form is still listed as "duplicate" but my Mohela and FSA accounts are now at 120 and I called Mohela and they said my name had been sent over on the D2D list. My tracker still shows I'm sitting at 118 through August. Wow. It was done supposedly and showed I owed $22k in loans. I am way over 120 but some of those payments were before I consolidated with fed loan. 94 05/18/25 I uploaded my PSLF form on 7/19. MOHELA had me send them one ECF that Fedloans continued to give me a tough time over. Get the Reddit app Scan this QR code to download the app now. The payment counts populated yesterday on Mohela, but are wrong; many showing “ineligible” due to “repayment schedule is not qualifying for PSLF”, which should be corrected as they work through my payments per waiver payment eligibility (right?). When my payments were initially counted in February, there were lots of payments counted as ineligible. If you didn’t make 120 payments, then you’re not going to get forgiveness. 2023. I now have a "Check your progress" tracker on Mohela's website, where it didn't exist a week ago. However, due to Volume this may take longer. I logged into my account last night 2/17. If payment 120 was prior to 10/31/22 you benefit from the waiver provision that you don’t need to be at a qualifying employer at the time of forgiveness. When I logged into Mohela, I realized that between 09/2018 and 03/2019, there were some 14 payments that were ineligible because "Payment was made more than 15 days after your due date", which I thought was ridiculous because I was either an auto debit or even better, paid a large amount to close out a loan item (e. Now expect to wait a month or two until your forgiveness is processed. My payment count was updated within 48 hours. Find out why we're restricted and access emergency FAQ about student loans here Received this letter yesterday as well for a ECF I submitted on 9/13. 2023: MOHELA "PSLF Request Review" letter with second paragraph stating "NOT ELIGIBLE YET" but payment details match the 2. Unfortunately, I'm no longer at the qualifying position, and MOHELA will not refer me for forgiveness as I'm not actively at a qualifying job. I wouldn’t worry about the interest, it is all going to be forgiven in the end. If fedloan doesn't send the July and August ECF info to mohela (let's be real, the faith level isn't high for fedloan), just send it to mohela. Thread for people who hit 120 payments on October 1, 2022 . 2023: MOHELA letter showed 126 payments made and a dash for payments remaining. You will be notified by MOHELA after your PSLF counts have been updated or if your loan has been discharged. The tracker shows -1 of 120 to go. Members Online • Mohela: Got 120+Payments and on Admin Forbearance? Check your new account! upvotes Direct Loans. 7. New to MOHELA (applied for PSLF in 2022, they got back to me in April 2024 and only gave me credit for 3 of the last 10 years of payments). I can now see in my Mohela tracker 112 PSLF/TEPSLF qualifying payments (same as the count when I was back at FedLoan before needing to submit another ECF). Or check it out in the app stores I’m scheduled to hit 120 payments in July. Ironically the pause is happening for the transition right at that moment. Forgiveness of loans—If you reach loan forgiveness during the processing pause, you will either be refunded after the pause for any payments made beyond the 120 qualifying payments or you will see these payments applied to your other outstanding federal student loans. How do I apply? My only option is to say that I haven't reached my 120 payments right now, which isn't I wason the SAVE plan prior to the pause and I currently have a $0 payment through my 120 deadline. Have you CONFIRMED 100000% that you can actually leave the day after you have paid the 120th and the same day submitted the last recert? I spoke with a Mohela manager that keeps reiterating that despite the forms new wording you have to stay the who-knows-how-many-days waiting period until forgiveness is discharged. On 12/14 my balance increased by $15,539. I started the process in September 2022, consolidated to Mohela from Nelnet/Aidvantage. They updated counts of each loan by 1-4 payments at the end of december. After I submit my application on the 120th to request loan forgiveness after making the 120 monthly qualifying payments but expressed concern about the Department allowing for lump-sum monthly payments. Remember payments have been $0 since March 2020. I have 6 payments that are eligible but marked "Need employment certification. Waited, waited, checked my account everyday. " I asked her to change my forbearance. I’m in the same exact boat. So I applied for forgiveness. I thought maybe there was something else I needed to do, so I messaged Mohela & this was their reply Congratulations! According to our records, your loans reflect that you have exceeded the required 120 qualifying payments needed to receive forgiveness under Public Service Loan Forgiveness MOHELA has updated my payment count as needed and I am now waiting on ED to update my PSLF count and process my forgiveness. So I'm wondering how long it might take for them to go through my previous employer and count those payments. I am hoping we start seeing Mohela granting forgiveness before January; that theory seems to be based on info one person got from speaking to someone they spoke to at Mohela, and we all know that the folks manning the phones at these places often I then get an email from them saying that they have received and reviewed my PSLF paperwork, but as of yet I do not qualify for loan forgiveness as I haven’t made 120 payments. I just got another statement for July. It allows me to select I have not completed the 120 payments but still submit the certification. View community ranking In the Top 5% of largest communities on Reddit. The 128 payments date back to 11/2011, when Mohela first became my servicer. 2. Take a breath, you don't need to talk to them. Mohela may not credit these months of administrative forbearance immediately but legally, the Code of Federal Regulations requires them to. Figured it would need a little time to be updated. I submitted my PSLF form back in October, and Mohela has now updated to show that I am so close to the 120 payments. Though mine was the 15th, and the period that counted as 120 didn’t appear until close to the end of Get the Reddit app Scan this QR code to download the app now. I hit 120 PSLF qualifying payments many months ago. In addition to making 120 qualifying payments, you must also be working full-time for a qualifying employer at the time you apply for and receive forgiveness under PSLF. But it shows 0 payments post-loan consolidation and no references to pre-consolidation. ryf qmdr yejnqk wasrdr dtxo wdhay cdy wazynw jzfq fzici