u/boopieshaboopie

I was one of the lucky people who received a golden letter from FSA yesterday, 5/21. Nelnet has not updated my loan balance nor sent any emails regarding forgiveness (which I understand it’s been less than 24 hours).

I’m wondering what the timeline has been historically for those with Nelnet to have their balances zeroed out after their golden letter. Mostly curious because most of the timeline posts I found in the sub were Mohela and were zeroed out the same or next day.

Apologies in advance for this flurry of anxious questions.

1. I thought golden letters were the email you get saying “Congratulations!…” I got what I think is the golden letter today in my FSA account that says, “Thank you for public service. We have determined you are eligible for PSLF or TEPSLF for one or more of your eligible loans”. Both of my loans and my total loan amount is listed underneath. Are they the same thing? I know they probably are, my brain just needs someone else to confirm it.

2. Can my servicer reject the forgiveness? I have paid very little towards my balance but because of the one time adjustment under Biden I got credit for the many months (years actually) I was in a forbearance. When I called last month (when I got green banners) my servicer alluded to forgiveness not being approved because of my “lack of payments” and said I “had better have proof of each payment” if I was applying for forgiveness. The call overall was awful and FSA told me not to worry but the comments have stayed with it.

I completed the electric PSLF form on April 8th. It was signed and I received green banners/ribbons in early April and have been hoping for a golden letter as long as the final audit goes well.

I mistakenly completed another electronic PSLF April 9th when an FSA agent told me I had to select “ready for forgiveness now/put me in a forbearance”. I cancelled the form the same day after more information that it wasn’t required.

Today my employer signed the month old cancelled form (have no idea how) resulting in another active PSLF form and letter with qualifying payments. No hate towards them because I’d rather they sign things than not and I’m sure it was some odd glitch.

However I’m wondering if this will restart the golden letter clock.

UPDATE OF THE UPDATE: FSA confirms they’re aware of the issue and are working on a resolution. They weren’t able to give any details (which is understandable) and said we’d be notified when there’s an update. I doubt we’ll be notified but they’re looking at it.

I called FSA and they’re just as confused as we are. Neither of the reps talked to have heard about this. When looking at my account they don’t show that the PPL has been added to my account or that I’m in default though the loan is “associated” with my account. They said my balance only shows my loans rather than the loan amount I show on the FSA (which includes the PPL) when I log in.

I was transferred to the debt resolution line and the automated system says it not in default and didn’t give an option to talk to a person.

I took a screenshot of the entire FSA website that shows all my loans including the nice big red box that says I’m in default, the ppl loan, and my balance.

I filled out a feedback ticket. The second rep said she’d fill out a ticket for me too.

I don’t really know what else to do.

Updated to add photo of FSA with my two loans and the newly added default Parent plus loan: https://www.reddit.com/u/boopieshaboopie/s/PtTpytivYG

I got green banners at the beginning of April 2026 for my two consolidated loans which are currently in the SAVE forbearance. I have 10+ years at a qualifying employer (still employed there). I’m low to no contact with my parent who took out a parent plus loan. they didn’t tell me it was in default or they needed help with it so I just dropped it. As of the FSA website update this morning that defaulted parent plus loan is on my FSA account, and my loan total has gone up. FSA says I’m in default.

Obviously I’ll call them tomorrow when they open but will this impact my PSLF forgiveness for the other two loans? I would assume they would not forgive them with another in default.

Also, why after 15 years of having all these loans is it just now showing up and showing up on MY account instead of my parents? Is there an update I missed? Was it always supposed to be on my account and someone just noticed?