I recertified in April and called so no forbearance cause I wanted my payments to count. I decided to consolidate some loans and applied May 7. When I consolidated I chose the same repayment I am on. Now my servicer shows me in Forbearance until August. Will these 2 months June and July count towards forgiveness?
No word on consolidation yet
Consolidation Opinion
Quick background
I have 8 loans. Two highest balances I can get forgiveness in 8 more months 112 right now
Next loan is 18k and only 72 payments need 48 more. Next loan 14k only 48 payments need 72 more.
If I consolidate all 4 loans I will need 27 payments to forgive all 4. Should I consolidate? I have given up on buyback.
I will pay off smallest 4 loans their total is 10k I am already paying extra on them
Consolidation Opinion
Quick background
I have 8 loans. Two highest balances I can get forgiveness in 8 more months 112 right now
Next loan is 18k and only 72 payments need 48 more. Next loan 14k only 48 payments need 72 more.
If I consolidate all 4 loans I will need 27 payments to forgive all 4. Should I consolidate? I have given up on buyback.
I will pay off smallest 4 loans their total is 10k I am already paying extra on them
I have 8 loans. Two are 8 payments away from forgiveness: Three loans are less than 3k each so I plan on paying those off. The final three loans have 48, 48 and 17 payments and larger balances. Should I consolidate those final three loans? Was there a program before to consolidate and get them all at the same payment count?
Quick question My count says 112 qualifying payments. I have 13 months that are ineligible due to SAVE. My question is will those ineligible months count towards my 120 months of employment? Am I good to submit for buyback? I already submitted but keep hearing I need 120 months of employment. Have I met the requirements for buyback? I am continuing to make payments so whichever happens first.