I know this topic has been knocked around in here (I've explored), but can't quite find my situation. I cannot get a straight answer from my servicer, either, and it's after hours now. So, any intel would be great:
4/17: Golden Email stating IDR loans to be discharged with a 5/8 date to opt out. I will not be doing this.
AidVantage: All IDR loans (the largest amount) are consolidated and held with this server and (I assume and pray) are the loans to be discharged.
Nelnet: 2 loans (Stafford unsub. and sub. consolidated) with this server in "standard repayment" and basically paying all interest.
Consolidated: I hustled and consolidated the Nelnet with the AidVantage this week, thinking these could be lumped in and discharged. Perhaps this was stupid.
Today, on live chat, the person said this may start the entire process all over and I will lose all of my qualifying payments. So, I said, Shit -- cancel it! They did so.
Then, they told me to consolidate the loans at Nelnet and apply for consolidation with AidVantage. Um. I did that, and she told me to cancel it?
Then, she said, she didn't know the Nelnet loans were already consolidated. As if this would make a difference in the whole qualifying payment recount nightmare scenario given, that led me to cancel. She said, Make sure they're consolidated (they ARE) and send them over.
Sorry if this is confusing. I think they may have not quite understood and now I wonder if I should RE-submit to consolidate before the 5/8 opt-out date.
I realize I'm on Reddit and we are not pros. I'm just looking for some similar stories, maybe? Or anything to head into the weekend not feeling like I'm screwing up an option to lump loans together before the deadline.
Thank you for reading!