Mohela 120 payments reddit. Those two are frustrating, for sure.
- Mohela 120 payments reddit None of the payments made prior to Mohela are showing. Keep track of every phone call, every letter, contact your national and state level ombudsman (if you have one). The 128 payments date back to 11/2011, when Mohela first became my servicer. Today I called Mohela and asked them to refund my payments made during COVID forbearance. Two observations with questions: 1) MOHELA says my next payment due date is 9/6, which is my prior monthly due In November, I started repaying. However, not a single IBR/IDR payment made before MOHELA was counted. Yay! For PSLF, every on time monthly payment counts towards that 120 months of payments while working for a PSLF qualifying employer. 120 qualified payments . 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. Has the payment tracker on Mohela disappeared for anyone else? Mine was showing a few weeks ago, but suddenly disappeared. In late September my account was updated to 120 payments. Doing some math, my last credited period was Oct 2022. So like ~18-20 payments to update for 6 loans. I had 75 payments credited toward forgiveness and needed 45 more. Payment tracker came up today on MOHELA, but it says "0 qualifying payments". MOHELA payment count . Was placed in forbearance which is set to expire June end and new payment is due beginning of July on the new Mohela platform. Your loans will be forgiven by your servicer once your PSLF form is processed. I’ve called MOHELA several times and am given a new story every time. I wason the SAVE plan prior to the pause and I currently have a $0 payment through my 120 deadline I got a refund for my 13 payments from USDOE in Sept 2022. ECF approved 11/4/22 called mohela told on d2d list I’m forgiven. We've filed a complaint with CFPB its been almost 60 days with a generic response/stall tactic from Mohela saying they have to look into it further. 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 If you didn’t make 120 payments, then you’re not going to get forgiveness. I wouldn’t worry about the interest, it is all going to be forgiven in the end. Trying to figure this out. Doing the math based on my accepted employment time, I should have 120 payments. The email stated that my autopay should also be transfered once that is complete. Fedloan had all our financials for years. Yeah, I got an estimated SAVE payment of $120 with the calculator. 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. Yesterday, a letter appeared in my MOHELA inbox confirming that I have 121 qualifying payments. Take a breath, you don't need to talk to them. Yeah I consolidated shortly before submitting my ECFs in October. My ICR payment after consolidating my parent plus would have been $1000+. The letter is from pre-covid times and doesn't know how to understand the forbearance months. My last payment Is in 3 days. Yet their website says I have 122 qualifying payments. Today it shows $291k and nothing going towards the 120 qualifying payments. 93 07/18/24 120 payments: $1,001. I know I’m at 120 payments as I had 114 as of April 2023 and so October was my 120th payment. 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 spoke with fedloans last week, and they were sure that my 120 payments and PSLF application would be processed before the transfer to Mohela. This process can take up to 6 months. 2023. As the person says below, you need to call them and ask them to review it. 94 in May 2025!?!? Copied from letter: Repayment Plan: INCOME-DRIVEN REPAYMENT (IDR) Number of Payments Payment Amount Payment Start Date 10 payments: $52. 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 Direct Loans. 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. My payment count was updated at the end of March to 118/120, dating back to October 2022. I've been with Mohela for over a year at this point, never consolidated, 118-120 payments on all 16 loans. I’m in the same position, and am going to request forbearance if the loan payment pause doesn’t end up getting extended. until today, which now show $10. Any suggestions? Hello! Finally showing a zero principal balance as of today. I'd like to get that October payment refunded if I can, but it was to Aidvantage so I'm not sure what to do. My tracker is currently at 162. They updated counts of each loan by 1-4 payments at the end of december. I called Mohela on several occasions and talked to reps and asked for forbearance while they review my loans for discharge. 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. Obviously the student loan process hasn’t been a model of efficiency in the past, but my guess is they’ll continue to try to clear the books of folks that they can So I submitted the payment to Aidvantage sometime in October, we got the refund check, then immediately submitted her ECFs. I sent a message asking why this was, and asking for it to be taken out of forbearance if it would mean September wouldn't count toward PSLF. 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. my situation is identical. Was just transferred to Mohela earlier this month. 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. She told me she spoke with another client who did forbearance waiting on her forgiveness since she had 120 with Mohela. Should expect forgiveness in the next 2-3 months is what she was told. (like 4 1/2 months) ughhh It's been my experience that every time they give a PSLF Forgiveness: When you reach 120 or more qualifying payments for PSLF, your account is eligible to be placed into a forbearance and no payment will be due. (I transfered from FedLoan in September, but my balance etc were all updated by the beginning of October - so this isn't just a transfer glitch. It was done supposedly and showed I owed $22k in loans. Called mohela to make sure everything was good- they said I had 120 payments and qualified for forgiveness- my info had been forwarded to federal student aid for review. I got a refund for those payments from the US Dept of Treasury in Dec 2022. 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. Turned in ECF January 31st 2023 3/23: Counts updated to 120 3/30: Letter from Mohela advising of 120 payments (dated 3/23/23) Still waiting and will update when balance is The announcement about the transfer mentioned that they’ll continue to process loan discharges for folks that have met all the requirements (120 qualifying/certified payments). for the above amount. I looked at my PSLF progress and it says 43/120 payments left. 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. Not consolidating and staying in REPAYE, my estimated payment was listed as $500 and $50 for parent plus on I applied for PSLF in May of 2021 and made my 120th payment in August 2021. I reached 120 in August 2022, but MOHELA kept messing up my ECFs and not updating my tracker. 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. Like you, my payment shown by Mohela is I recently hit 121/120 on my loans after it took Mohela about 60 business days to process what should be my final ECF. Wow. I hit 120 PSLF qualifying payments many months ago. Meaning it's one payment past what you need. Refund request escalated. Spousal consolidation is also well past IDR payments of 20+ years for IDR forgiveness. gov on 12/16 for final processing and was told she would receive something in 60-90 days confirming that 160k You'd think they could automate a process to not include the entire "ineligible" paragraph when qualifying payments are =>120. 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. On 12/14 my balance increased by $15,539. gov this year. where a borrower’s progress toward loan forgiveness may be harmed by potential servicer errors, the Department has directed servicers to count those periods in administrative forbearance toward Public Service Loan Forgiveness and income-driven repayment forgiveness and adjust accrued interest to zero. I was part of a September transfer group from FedLoan to Mohela. Her loan payment (she's with another servicer) is correct, but mine (with Mohela) is not. Ask MOHELA if your case was submitted to DoE. I 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. 11/2023, 12/2023, 1/2024, 2/2024, 3/2024, 4/2024 I made payments on the old mohela site. 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 So they finished transitioning my account to the “new” Mohela, but I’m supposed to only have 13 payments left. Hit 120 qualifying payments. Once the forgiveness has been applied to your account, you will be sent notification. I consolidated my loans from a private servicer to Mohela on 5/27/22. She was told that she was added to the list that get's sent over to StudentAid. I should be at 120 just based on actual payments and COVID months. I called MOHELA this morning and asked them if I needed to consolidate to have all of I see a lot of past posts with forgiveness timelines, but curious about the experience/ timelines for folks recently through Mohela. 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. Friend is at 120 payments, but had to select “no” on help tool. 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. She completed the help tool but she could only select “no” when asked if she was at 120 payments. Payments prior to working with the school would be unqualified but i don’t need them. So it’s a very long process. However, it didn't talk about next steps, and it listed N/A next to expected I recently got a letter form Mohela showing I have made 120 qualifying payments but there was no other information in the letter regarding my loan forgiveness status. Mohela may not credit these months of administrative forbearance immediately but legally, the Code of Federal Regulations requires them to. For instance, you have the folks who got transferred over with 120 payments, you got the folks who consolidated into MOHELA with underlying loans that had already reached 120 payments, you have folks who had their qualifying employment info already reported to Federal Student Aid who then became eligible based on the application of the limited I submitted forms to Mohela and my accounts transferred from Nelnet. I’m at 120 months right now, so I’ll be submitting a final ECF at the end of March. Ohhhhh r/StudentLoans is where you want to be, this is specific to PSLF participants. But for the folks who consolidated into MOHELA with 120 payments (like us), they haven't started processing any of these discharges. 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. 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. I submitted my ECF showing 120 payments in July while still with Fedloan. Then I immediately submitted a new ECF to put my payment count over 120, since I had still been making payments. I'm guessing I just need to wait for ED to look at my account. I called MOHELA this past Friday to request forbearance until the process is complete. Applied for PSLF waiver 1/2022 with ECFs. It immediately showed up as received and then after a couple of days said processing. Last week my payment tracker appears showing 120 qualifying and 121 and eligible payments. 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. and maybe I still have a smaller loan left to pay? 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 wonder if this means the majority of my loans were forgiven (I was a golden e-mail ticket receiver). Happy Dance #1. I began employment with my school 7/13/2013 and have worked there continuously. Two payments were July months in between school years and changing teaching districts. The government audits every account to make sure you had 120 qualifying payments. 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. Want to post a timeline for those that hit 120 in January. 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. I just had the same experience this evening. it is 120 payments meaning 120 individual payments, which if you paid one payment per month would be 10 years of payments. Since the devil is indeed a liar (lol), I called If you work in certain public service jobs and have made 120 payments on your Direct Loans, you may be eligible to have your loans forgiven. If it shows 120+ payments then you are done except the waiting at this point. DOE chat person told me that I needed to verify with Mohela that this had been done. 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. Hi. Remember there were no payments required since 3/2020. My prior payments should qualify under the limited waiver. After we receive the approval, it may take up to 90 business days to process this information. 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. I was already in the Mohela system and have 120 payments and the same employer for 21 years. However, this will be corrected eventually. 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 5) for me: mohela zeroes out only the unaubsidized portion without explanation. 93 to 1,001. 12 votes, 34 comments. Get the Reddit app Scan this QR code to download the app now. For. I did and they said it would take 3-5 business days to be reviewed; on business day 3, my count updated to 120. I am over the 120 payments. I’m one of those that got 120 qualifying payments at FedLoan in August, but was still transferred to MOHELA on 8/30. Called Mohela (maybe a refund but of course couldn't tell me anything). I have a few questions that I hope folks can answer: 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. Out of the gate, Mohela count is low, and increases a month or so later after Dept of Ed provides necessary info to apply PSLF waiver. Every over - payment was sent as an individual refund directly to the originating bank account. 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 Mohela has been and continues to tell people unreliable and inconsistent information. Is there any chance if I send it to Mohela before may1, they’ll even look at it? Get the Reddit app Scan this QR code to download the app now. MOHELA's Response: Thank you for contacting MOHELA, Our records indicate that you have made the 120 payments required to receive forgiveness under PSLF. S Elizabeth Warrens CFPB saved me in the end. Now the mohela rep tells me dept of ed is reviewing all these accounts and “it may be a year before yours is reviewed”. Those two are frustrating, for sure. My Timeline: May 2022: Consolidated 8 FFEL Loans and 2 Dept of ED TO Mohela FROM Navient and AidVantage 7/28/22: Submitted PSLF and 4 ECFs via Mohela's upload link I was with MOHELA before the transfer, and this board has (correctly in my experience) suggested that folks like me have had slower processing than the FedLoan servicees who got transferred. You can't pay early under PSLF and you can't lump sum payment under PSLF. Or check it out in the app stores FTR he had 153 qualifying payments and he was only 6 away from 120 payment forgiveness. FSA also showing that my last loan info update was 5/31. I'm not sure if you expected to see a zero balance as soon as your payments were updated, but that's quite frankly not true. My loans were consolidated and transferred to Mohela as the servicer. I uploaded my PSLF form on 7/19. 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. So I applied for forgiveness. /r/StudentLoans: Reddit's hub for advice, articles, and general discussion about getting and repaying student loans. Also, I was informed by Mohela that on June 11, I will be transferring to a new Mohela platform. 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. ) On the website it says you will get reimbursed for overpayments. In my case consolidating my $3500 parent plus (no payments made yet) was not beneficial to me. Thats the only one I have submitted to MOHELA, and I will resubmit my current employer once the forbearance ends. Good that you’re thinking about it. Just wondering if Mohela has actually reimbursed overpayments for anyone? Mohela “Ineligible Payments” because “no bill due” I was told that it has been taking about a month from the request to get the zero balance after you have the 120 payments. Called rep who was extremely rude. 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. I have been on PSLF since 2014 and as of Mohela’s last count pre transition, I was at 117 of 120 payments. All documents kept, all submitted through studentaid. I think I got 6 letters in total, the last one I received in 1/2023 stated I was actually at 156/120 payments. I was teaching the entire time. Hit 120 in January. Reflects 28 PSLF qualifying payments and 128 TEPSLF qualifying payments. "Until your loans have been forgiven, you need to keep making payments. The tracker shows -1 of 120 to go. 5/2024 I set up I made a June payment but got a letter from Mohela June 20, 2024 stating that I am in forbearance and that this time would count toward PSLF credit, so either June or July My loans stayed with Mohela and when I went to the new site which migrated just yesterday, I get a note that says I owe my payment TOMORROW. I spent 4 days 15 years ago on the phone just to get myself transferred out of India to the U. Although I received the letter a few days ago, my online MOHELA account tracker only shows 11 qualifying payments. I'm supposed to be forgiven in October. I am making my final payment in May as well. I waited patiently and my loan info got transferred and looked correct. You aren’t being penalized for not making payments on COVID forbearance eligible student loans. Both website still shows a balance. I hit 120 payments. Yeah I have two "accounts" with Mohela for my own loans and Parent Plus loans that I'm paying and my account was processed to SAVE and haven't had but one hiccup with making payments so far but then the PPL account suddenly got put on forbearance with no payments until January even after I had made the first month's payment. EDIT: I had already consolidated into a direct loan prior to 2007 and Mohela had been my servicer since 2011. The company's mission is to maximize the value and utility of digital assets through our comprehensive product suite including advanced trading solutions, liquidity aggregation, tax-efficient asset-backed credit lines, a high-yield Earn Interest product, as well as the Nexo Platform and Nexo Wallet with their top-tier 51K subscribers in the PSLF community. Are there any steps I need Who has over 120 payments with MOHELA furiously waiting for forgiveness? 117 certified payments as of transfer from FEDLOAN. 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). g. I’m in the same exact boat. Anyone knows how long it takes to have a zero balance and a possible refund? Thank you so much in advance. 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?). in May I submitted paperwork to update my qualified payments. View community ranking In the Top 5% of largest communities on Reddit. 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. . Hi there. So since I know I’ve made more than the requisite 120 payments I put it on forbearance. I just don’t want to like double my monthly payment A year ago I consolidated part of my loan to Mohela. It still says I’m in repayment with an auto debit scheduled for December 12th. They told him he has to wait until everything is updated by July of 2024. I hit 120 payments earlier this month and my account was put into forbearance while FSA certified. 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. 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). 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. 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. I consolidated my loans 7/1/22 and got a letter telling me I had 0/120 qualifying payments. 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. Members Online • Mohela: Got 120+Payments and on Admin Forbearance? Check your new account! upvotes 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 up. I have no payment date but I have a reasonable SAVE payment amount listed. But where is my count toward the 120 needed for forgiveness? Does this get /r/StudentLoans: Reddit's hub for advice, articles, and general discussion about getting and repaying student loans. However, looking at my payment status according to Mohela, I’m at only 12 payments in. 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. The rep was very nice and helpful but my loan status still hasn’t changed. Hey guys me again. I got a notice in August that my account was being put into forbearance from 9/1-9/28. However, today Mohela sent me three identical /r/StudentLoans: Reddit's hub for advice, articles, and general discussion about getting and repaying student loans. Republicans raised the interest rate for loans. Here’s my recent timeline - in the home stretch now, but assume it may take a little longer than usual with the last push of the temporary waiver: 10/10/22 - submitted employment verification to Mohela via document upload in my account 1/20/23 - received letter It counts. They may be transitioning your loans to the new website. The tracker shows a qualifying payment each month since then which is 120 months. 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. So far, my full loan Hitting 120 in October, coming out of forbearance tomorrow. ) They processed my ECF and gave me credit for all the pandemic months and marked ineligible months during forbearance (<12 months long) periods. yeah i have no idea why I got put on it either. That is a generic letter that everyone receives. It doesn’t matter if the payment is on only or mostly or partially the interest. Or check it out in the app stores I’m scheduled to hit 120 payments in July. It counted 119 eligible payments but said 74 were ineligible ( Ihave way more than 120). I submitted my Employment Certification to Mohela back in August which will put me at 120 payments. Per Mohela, I have 175 payments toward PSLF. I called and they said my account will be sent to Dept of Ed for approval/confirmation. It may not be today, and may be months from now, but it will happen. When I contacted Mohela about it - they said the other was in progress and I likely wouldn't see anything before the 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. Does anyone have experience with how long it takes from this point? I hit 120 in June. 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 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 PSLF- refunds after 120 payments I finally received THE letter stating my loans are now forgiven as of 9/2017. Your Reddit account must be more than 1 day old in order to post! Take that time to Nexo is the world’s leading regulated digital assets institution. I went to Mohela's website and my loans now show a $0 balance. If you have this question so do tens of thousands of others. Actual payment $820. I checked my MOHELA page today and my PSLF count was up from 82 qualifying to 110 qualifying payments today! Here’s my next question: how often should I recertify my current employer to keep my count accurate and on track for June ‘23 I called Mohela rep and she said my loans would "automatically" be submitted to DOE once my count showed 120. I'm not close to 120 payments so it's not that critical but still seems like an inordinate amount of Morning y'all! Long time lurker here, as I made my way through the payments. Was with Nelnet previously and made monthly payments since 7/2011 (full time federal employee). Though mine was the 15th, and the period that counted as 120 didn’t appear until close to the end of March here too. They were helpful and said “okay!. My payment tracker updated this week with 3 of 120 payments. Temporary Expanded Public Service Loan The PSLF Program allows you to receive forgiveness of the remaining balance of your Direct Loans after you have made the equivalent of 120 qualifying monthly payments under an accepted repayment plan while working full-time for an My wife spent months waiting on hold and confirming with Mohela that she has 120 payments with no adjustments or recount needed, a natural 120 if you will. MOHELA had me send them one ECF that Fedloans continued to give me a tough time over. Transferred to Mohela 9/22 and Fedloan had still not updated my payments at that time. 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. Counts updated on MOHELA 1/26/23 - final loan with 120 payments (other 5 with > 120 (from 123-126)) If you pay "5 payments" in a lump sum that counts as one payment. I just want this all to be over already. 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. 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 I didn’t realize that my payments had been updated. Mohela says I don 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. No way this is right but they’ve already messed up my loans on several other counts so seems par for the course. 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 My September payment hasn't shown up, either. I was just notified that my transition to the new Mohela platform was complete so I made a new account and logged in. My payment count was updated within 48 hours. It is 10 years which one payment each month for 120 months. Mohela said that they would have my loan transferred by 10/5. If you prefer to continue making payments, any overpayments will be refunded or applied to 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. The whole precess took me seven weeks to go from 28 PSLF payments to 178 to actual forgiveness. I just got another statement for July. Should she call Mohela to request an administrative forebearance before her October bill? The amount of PSLF appears correct from remaining balances, but not at 120 payments, 172 payments. I figured it was because of the current payment pause and I kept clicking to different parts of my account to see when my payment would be due. 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. The payment tracker says no payment was made but I have my bank statement showing the auto debit as the same date as every other payment. Yippeee!! Great news. Im so For PSLF waiver payment counts to be updated or for loan discharge to occur, we must receive the approval from Federal Student Aid. My UPDATE: just spent 30 minutes on the phone with them. Information and advice about Public Service Loan Forgiveness, a forgiveness program for US federal student Waited, waited, checked my account everyday. mohela sucks. 94 05/18/25 The -1 means that you are past the 120. 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. 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. I applied for PSLF on 08/26/22 my payment count was updated on MOHELA on 10/19/22 and my payment count was updated on student aid on 10/22/22. I just got an email saying my repayment plan has changed and within the next 12 months, my monthly payment will almost triple??? Agree. 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). I spoke with an agent as I am waiting for my certification for 120 to reflect. I sent my first ECF to MOHELA in July 2022, and reached 120 payments in August 2022 thanks to the waiver. Have email receipts for each payment. 123 eligible per MOHELA waiting since Oct ECF for I finally crossed the 120 qualifying payment threshold for PSLF loan forgiveness. I submitted ECFs last week from a past employer. I was at Fedloan so it was different. I’m absolutely fuming 😡 that may 1 there will be no pslf and I’ll be paying extra months. Mohela shows 120 qualifying TEPSLF payments BUT. I emailed Mohela about the negative balance, to which they repsonded as follows: "Congratulations! According to our records, your loans have reached 120 payments and you’re eligible for discharge under the Limited PSLF Waiver. I will reach out to MOHELA. Mohela just transferred loan amount to the account. Mohela needs to "receive the approval from Federal Student Aid" -- no timeline?? After receiving approval, Mohela takes up to 90 business days to discharge. Resubmitted July (both in Fedloan). So I'm wondering how long it might take for them to go through my previous employer and count those payments. You will be notified by MOHELA after your PSLF counts have been updated or if your loan has been discharged. I still stand by what I said. Submitted my forgiveness form back in Septemeber and just got an email and form from Mohela saying I didn't have 120 qualifying payments. Would someone explain this to me? Why will my monthly payment be changing from 52. I just got three letters from Mohela on the same morning about a week after 123/120 payments showed up in my tracker. It seems like the discharges for the loans for the folks who were over 120 who transferred over (as opposed to consolidating into MOHELA) are being processed in the order that those loans were received by MOHELA. This morning, like you, my loan balance is zero. 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. It took about 90 business days from submission of final ECF until now showing the zero principal balance. Now expect to wait a month or two until your forgiveness is processed. You do not have to do anything else at this point. I consolidated into Direct Loans in June 2022. 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. If you have the stamina, call MOHELA, escalate call, if you feel it's needed, for explanation. 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. 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. 6) letter 2-3 days later 7) studentaid updates 1 week after mohela change. 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. My balances are zero (I had 10 direct loans consolidated) and my PSLF counts are gone. paying a good amount to After 10 long years I am 1 month away from forgiveness. But right now I need someone to tell me it will be ok. Last I checked I had two qualifying payments. 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). It appears that they are running just under 60 days for processing applications at this time, even though they give a 90-120 day window (to cover their butts). [State] and [Type] of property tags are required in the title of posts. Turned out after 6 months it was never an issue, but I got transferred before it got worked out. My loans were forgiven on 12/30 and I had a negative balance of -$100. This morning I got the letter saying I'm not transferring to Mohela, and that I'm staying with FedLoan. 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. 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. . Mohela account shows PSLF "processing" but no payment counter yet. Over the next several months more MOHELA letters came in where they started counting/finding my qualifying payments. I had nothing on 10/5 but this morning on 10/6 I have a smiley face and a “your loan is in good standing “ but all zeros. I've been stuck at 76 eligible payments (despite being well over 120 under TEPSLF since before COVID) for a few months now. 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. Probably at 23-24 years in repayment, not including additional 3 years in forbearance. Sigh. I recently had my loans switched to MOHELA to participate in the PSLF program. great, get your extra payment back Mohela is a shitty loan processor (who is being held responsible by the Biden Administration). I worked for the same employer and paid under IDR (other than the $0 payments during COVID pause) since Forgiven when you submit enough qualifying employment to hit 120 and they process your account for forgiveness Consolidate loan to mohela: Submit pslf form by 10/31/22 Loans were consolidated and moved to mohela Loan data populates Pslf form fully processed Tracker appears and only shows post consolidation counts (very small count) Correct me if I’m wrong. I submitted my application on 9/20 with my employer signature for 8/20. " I asked her to change my forbearance. 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). Mohela said there’s no timeline on how quickly they process it. 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 neurotically check Mohela’s website daily, waiting for a $0 balance. 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 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. I should be eligible forgiveness by July, or at the latest, October. I went to log into my account to see when my bill would be due in May and it said $0 was due. If you made any payments recommend you ask for refund. One was a reminder about TEPSLF ending soon (only 15 days late), the second letter was: choice than to It allows me to select I have not completed the 120 payments but still submit the certification. Have I been lied to that 122 is a larger number than 120? Good to know. I was about to post the same thing. 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). I am still employed in a government job and should have payments credited for the current COVID period to Aug. A few weeks ago when Mohela updated my repayment plan from REPAYE to SAVE the amounts were around $120 a month. My HR rep had a hyphenated name. Is this normal? I tried calling them but never got to speak to a person, just recordings. Plus I got a refund for a few more payments that I made during the deferment before I hit 120 payments, since those counted even if you didn’t make a payment. At the time I had more than 13 years of qualified payments—but none of the payments in excess of 120 would qualify for a refund. So Mohela’s counts are off it should be 120 qualifying payments and 51 uncertified payments. I’ve been teaching 17. Go to their loan payment plan simulator before consolidating. My loan balances are still Has anyone been reimbursed for payments over the 120? Yes. Originally, I was in an IDR plan and anticipated my loan payment amount would stay the same. I noticed that since they revised the eligible payment numbers that there were 9 eligible payments that had no employment verification, which should be applied to the five older loans — so in March I submitted the certification and application for forgiveness since that would take my five loans to 120 payments. My husband is called Mohela several times to let them know that the adjustment would have put him at 120 eligible payments in February of 2023. Ironically the pause is happening for the transition right at that moment. She was transferred to MOHELA relatively quickly, early November, and was in processing forbearance. If you’re over 120 payments, MOHELA is acknowledging that you’re eventually going to be forgiven once the Department of Education verifies your account and so they don’t want you to send them any more money which will If you complete 120 qualifying payments during the pause, any additional payments you make will be refunded or applied to your other federal student loans that have outstanding balances, after the transition is complete and processing resumes. I'm waiting to call them because the transfer from FedLoan to Mohela is still in process and I'm assuming they're slammed. jtscc yza bmu cgoo aoeb avhx qnlrpy pdrjz hmkt kpnp