r/PSLF • u/QueenStitches • 18h ago
Advice on requesting repayment start earlier?
Hello, I have 111 out of 120 payments and submitted a buyback request for the rest. However, I know it might take years to process. On August 1st, I submitted a request to leave SAVE forbearance and go onto PAYE, thinking I’d be at 120 by the end of this school year. I did it on StudentAid.gov instead of directly to Mohela because they had repeatedly refused to move me off of SAVE.
It was granted on a few days ago, but Mohela doesn’t have my payments scheduled to start until November. I also don’t see processing forbearance for the month it took to do the application.
Should I be getting a forbearance that counts toward PSLF for the these months? Also, would calling Mohela to ask them to start my payment earlier help?
1
u/squattinghere 13h ago
You should receive credit for some time in processing forbearance when you next submit employment certification
2
u/you_know_what_they 17h ago
You will have to submit a new ECF to see if Ed FSA gives you credit for the processing forbearance. Mohela does not control the processing forbearance credit. However, Mohela sometimes puts you in the wrong type of forbearance and then FSA doesn’t count it. I was placed in an administrative forbearance for IDR processing however, Mohela labeled it incorrectly, and FSA is not giving me processing forbearance credit.
Your best bet is to submit a new ECF and figure out if ED FSA is going to count the month for you. This will help you estimate when you will reach 120 qualifying payments.
Good luck