MOHELA calculating $0/month PAYE payment incorrectly.
Hello - any recommendations from the experts on how to proceed. I've been on PAYE for about a year since escaping SAVE forbearance. A couple weeks ago, I submitted my annual recertification of my income by uploading an IDR form and my 2024 returns (I did an extension for 2025 returns). I was paying ~1300/month for the last year based off those same 2024 returns. My income hasn't changed significantly.
This morning MOHELA sent me a letter online saying my repayment plan is approved for PAYE as I requested BUT my monthly payment is $0. While I'd love for this to be true and get PSLF credit months at $0/month, I don't want to miss credit or get trapped in a processing forbearance or something/anything that will extend my forgiveness dates. (I'm at 103 eligible employment months, but because of SAVE forb, I'd need to buyback 11 months so only have 92 qualifying payments.)
Studentaid.gov has no indication of a change in my IDR plan or that I submitted a recertification to MOHELA, at least none that I can see in "My Activity" or anywhere else.
I "emailed" MOHELA through my portal asking for clarification.
Has anyone else had this situation recently? How did it resolve?
My next auto pay isn't due for almost a month (usually pulls on the 12th), but I'd appreciate any guidance, especially if it doesn't involve me waiting on hold with them for hours.
I will update this post if I hear anything from MOHELA or studentaid.gov