u/theotherone38

Hello all tormented souls! I recently applied for an IBR payment, which was approved but the decision was also somehow delayed. I understand that this is typical. Anyway, when I received my approval, my payments were set at $0, despite the calculator calculating a payment of $498. Of course, I was excited.

Forbearance was to end yesterday. I received a statement in my account for $0 dollars due this month, but the website contradicts this and says that I owe $498. Which do I believe?

Thanks in advance!