u/Prestigious-Eye3154

Since starting repayment I have made every payment in full, on time. However, since March I started receiving “Past Due” notices for $0. They call it an “embedded delinquency” and its now showing up on my credit report as a having payment that past due over 120 days. I have called, minimum, every month for the past 5 months, spoken to supervisors, and had my request “escalated” several times. Every time I’m assured it will be resolved in 10 business days. It never is.

I can’t really afford it, but at what point do I have to get a lawyer?

A huge chunk of my student loans were forgiven via PSLF and I just wanted to share it with somebody! I am healthcare provider, working in rural medicine for over 10 years, made the 120+ payments. After many phone calls, wrangling Mohela, and months of waiting, my application for forgiveness was finally processed. I’m still shocked

Unfortunately, my family is very political (they don’t think student loans should be forgiven) and I just wanted to tell someone!