Read every resource, looking for input.
I’m trying to understand a PSLF/TEPSLF tracker change and would appreciate any insight from others. I've already combed the StudentAid.gov and Mohela, chatted with a StudentAid.gov chat rep (real person), and then went back and forth with ChatGPT at length to see if it gave me a better understanding. I still feel confused and tricked.
I’ve worked full-time for a PSLF-eligible employer since May 2018. Until this week, my StudentAid.gov tracker showed 87 qualifying PSLF payments, but after the recent July updates, it dropped to 67. The 22 removed months are September 2024 through June 2026.
Key details:
- Current repayment plan: Extended Fixed Repayment (Enrolled since Sept. 1, 2012)
- On StudentAid.gov, both PSLF and PSLF + TEPSLF now show 67 (previously TEPSLF was higher)
- I submitted a PSLF reconsideration request to understand the change
What I’m trying to figure out:
- Has anyone else seen a sudden drop in qualifying payments this week?
- Did Extended Repayment months recently stop being counted for PSLF/TEPSLF?
- Are those months permanently excluded, or is there any path for them to be counted later (TEPSLF or otherwise)?
- Why did my payments prior to September 2024 count (still Extended plan)?
Just trying to understand whether this is a system-wide recalculation or an issue with my account. I assume I won't hear back on the emails I sent FSA and Mohela for a few weeks/months, and this is all I've thought about today. I feel bait-and-switched. I would have changed anything in my account if I thought it was wrong, but the past two years of payments have been adding to the green bar! I submitted an IDR app today. Fingers crossed, since I also sent an IDR app in Dec. 2023 and it's still "In Review."
I feel like I just lost two years of my life.