Zero balance, but is this my PSLF?
Can you help me understand what's going on? I applied for plsf Buyback in Oct 2025 for months lost to the SAVE freeze. I reached 120 months of qualifying employment in Oct 2025, but didn't have the payment count because of the freeze.
In Feb 2026, I received an email saying that I was eligible for forgiveness under my IDR plan. I still had not received any news about PSLF buyback, and was confused about the tax implications of other forms of forgiveness. So I called and emailed Mohela by the 3/5/2026 opt out deadline to say that I did not want any form of forgiveness other than PSLF.
I have been paying on my loans continuously since applying for buyback and may have hit the point where my overpayments would be equal to the buyback requested.
I just logged into Mohela today and had a zero loan balance! I then logged into Student Aid and also had a zero loan balance there too (in dashboard within the My Loans box). However, my PSLF count on Student Aid still shows 115/120 in that part of the dashboard. I have received no communication from Mohela or Student Aid notifying me of any of this. I just stumbled upon it when I logged in. With my payment count still at 115/120, I'm uncertain if this zero balance is a result of my buyback finally going through, or something else.
What does this mean?! If it is forgiveness, how can I tell if it's PSLF forgiveness and/or the result of my buyback request? I'm worried that they may have applied another form of forgiveness that is taxable, despite my opt out email and phone call on March.
Can anyone decode what this means? And when I would actually get some communication from Mohela or Student Aid explaining what is happening?