u/DullCarto8679

My 120th payment was in August. ECF processed but counter has not updated since June.

A Mohela rep told me that if I request a general forbearance like many here are doing, my loans cannot get forgiven because PSLF requires the borrower to be in repayment in order for the counter to move and forgiveness to be applied.

Is there truth to this? I can't imagine that's true because of all the people who request forbearance after green banners. At the same time, their situation is different because FSA is showing them at 120 payments and we're stuck in purgatory.

Stuck in the July/Aug purgatory like others. Payment count won't update and Aug is supposed to be my 120th month.

New payment on (old) IBR goes into effect in Sept. It's 4x my old payment and therefore not doable. I am considering a general forbearance, but I also just want to be done.

Instead, I'm thinking about applying to switch to RAP. Assuming the application takes some time to process, I could get 1-2 months of processing forbearance. That way, I still get months that count towards PSLF, in case FSA never counts July/Aug. They never counted July 2025...

Any potential consequences to this plan? I think once I'm in RAP I can't switch out, correct? But I'm going for PSLF anyway.

ECF approved for July on the 17th. Typically NSLDS updates for me on the 11th of the month, since I make payments on the 10th. It didn't this month.

This ECF would bring my count to 119. Anything I can do get NSLDS to update?

Hi all,

Any suggestions about next steps for this one:

-June 2025 missing. Was in processing forbearance. Wrote Mohela CEO last month. They resent the info. Redid ECF form. Still doesn't appear in PSLF count.

-May 2026 now also missing. ECF form in for the month. Payment made via Mohela and per NSLDS tracker May was updated. The one caveat is that this is the first month back in repayment (IBR) after a forced 2 month processing forbearance (which did count) due to early recalculation of new payment amount. Talked to FSA and they said there's "no timeline" of when it will post.

At 118 counted payments, so every month is crucial.