r/MOHELA

Got a few emails this morning: "your payment is due soon", "your student loans have been placed into a forbearance", and "your repayment schedule has changed" in that order.

My payment is due 9/14 and it says I owe $160 based on the new repayment schedule document.

I login and I have no payment due. It says I've been placed in a forbearance for 2 years because I'm on the SAVE plan.

Does anyone have a clue what the F my account is supposed to be in?? I worked for a student loan servicer 15 years ago so I understand that interest is accruing in the forbearance but these 3 emails are incredibly confusing.

Student loans have always been a mess but it has truly never been this bad. This is my 8th year paying my loans, I'm doing PSLF, I've been on an IDR plan since day one. Never missed a payment.

Applied to recertify my income on 7/1. Absolute radio silence. Nothing other than "a processing delay" of up to 90 BUSINESS DAYS. That's 5 months. November. Then I get a letter that they threw me into a standard repayment plan and want $2600 a month. Hahahahahaha. Hilarious.

I call and wait over an hour to get through. It's their first day on earth, they have no idea what's going on with anything and can't give me a time frame for my recertification. It's just so depressing and ridiculous.

Has anyone else had their plan recertified timely? They placed me into a 60 day forbearance which I truly did not want to have to do. She said "it should be processed by by then" lmao ok what if it's not?

I am not sure what to do. My 120 qualifying payments will happen in February 2027. I will have had my loans placed in SAVE forbearance since September 2024. I will have 26 total months that will be in forbearance. Depending on how they calculate my buyback that could be a hefty amount to buyback and my new IDR repayment is roughly $1200 per month. Do you just keep paying on my student loans beyond when my 120 qualifying payments are or do I try to buyback and hope my buyback is reasonable?

I switched plans to ICR from SAVE last month or at least tried to. I’m one of 6k who switched to the $50 a month plan and called into MOHELA to see what my payment was actually going to be- still the lowest even w/o it so i switched and didn’t think much of it. I had a monthly payment due that month on the 15th. Something went wrong with the auto pay so by the time I manually paid it, it was the 20th. I have a screenshot of my MOHELA account saying I was on forbearance until August 2026. I’m rather confused with all that has happened does July’s payment count or not? I work for a qualifying employer.

I applied for buyback in December 2025. Received emails from dept of education that SAVE was ending, and that my loan servicer would be contacting me, but still haven’t received anything from MOHELA advising me to switch plans/giving me 90 days. Anyone else?

Hi everyone. I reached 120 months of eligible employment on March 2025 and immediately applied for buyback to cover the months I was defaulted into the SAVE plan and in school deferment. My qualifying month count has fluctuated for the past three or four years. They have settled on the lowest count yet. I have a total of 8 loans from undergrad and grad school and my counts range between 99 and 107. I have about 21 months that I should qualify to buyback (whatever) I have been waiting since April 2025 with six case numbers ranging between 270 and 308 assigned through reconsideration requests since the initial requests were ignored. I received an email notice that my duplicate cases were being closed. At this time I submitted a complaint, which gave me a 308 case number. That appeared as “completed “ with a date of Dec. 31, 1969. I never received any other communication but finally noticed this last week. So I escalated the case, which I now open.

I also called Mohela and FSA on separate occasions. First I spoke with FSA who told me they were waiting for Mohela to provide a qualifying payment count (June2026), then I. July I spoke to Mohela and they denied having any such process since that is essentially what they do, every month- calculate and log payments- and therefore have nothing separate to do the same work. So I called FSA and they insist they are waiting for a count. I can see the count. I can practically guesstimate a buyback amount.

What the actual eFf! I am stuck in limbo. My entire life has been shaped by this dumb debt at the least expensive educational institutions. I paid off my car that cost way more in less time. I am livid. Oh and unemployed.

I need any reassurance that this is going somewhere with rainbows and sunlight. Or perhaps, guidance. Thx.

As the subject says, I submitted my application re: new payment play on the Mohela site directly. Studentaid.gov, unsurprisingly, was not loading/working at all — hours with a blinking blue dot. Anyone have insight re: experiences doing this, and getting their new plan approved?

I filed to get a new IDR plan now that SAVE is gone. 2 weeks before my first payment is due, I find out I'm getting divorced. So I ask for a forbearance until December, after the divorce is finalized. It takes some back and forth and several phone calls, but it finally gets done and my payment shows as zero. Cool.

So my divorce lawyer needs something that shows what my new, post-divorce payment will be. So I submit a recalculation request using only my income. I check the box that I want to stay in forbearance.

First I can't save or print the application, even though FSA recommends printing or saving. Then Mohela has a "processing delay" of up to 90 days. Finally, they process the application and send me a letter saying it's approved and payments start in January 2027. 3 minutes later, I get another letter with my payment schedule showing payments start September 2026. I look in the system and it also shows a payment due in September. I'm guessing they're going to make me submit another forbearance request and knowing them they'll have a processing delay, and then...

Ugh. I hate paying organizations to be terrible at their jobs.

I want to manually pay my last payment on mohela. I select auto allocation but then do I select highest interest allocation or what?!
What’s the best option? I go through options and see things like overpayment and I’m like huh?

Hello recently got two emails from my bank saying i have a new alert on my account only to find that mohela has reported me as delinquent, however when i go to mohelas website i see no missed payments or overdue payments only my monthly payments that is due next month? also the new account alert dropped my credit score by 120 so yippie!

Has anyone’s PSLF tracker been updated for July’s payment on studentaid.gov? Mine has been stuck at “last updated 7/3”.

I keep ending up in administrative forbearance with MOHELA saying they need FSA to release FSA saying contact your servicer.

After doing the math, Mohela tacked on interest in an inflated, incorrect amount and during the administrative forbearance period.

Incorrect inflated interest was applied 1) during a processing forbearance in 2024 and 2) last month, at a rate of 108%/day Yeah, you read that right. It's supposed to be 4.75.

I called previously about the processing forbearance and I did not get anywhere because this person did not know the difference between a processing and an administrative forbearance. I also called a second time about the interest act on during the administrative forbearance where we should not have been accumulating interest and was told that that should have been handled by the federal government.

Has anyone had any success not only getting hold of them but having a correct interest corrected on their accounts? If so, how?

Edit add: save plan is ending and I'd prefer to switch to a standard repayment plan but I also don't want this (almost 4000$) worth of incorrect interest to capitalize.

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?

I am in repayment status with my loans. I recently paid a large amount of money to Mohela and I will be in pay ahead status.

Due to this pay ahead status I will not need to make another payment until I recertify next year, but I was advised to remove autopay so money doesn’t get taken out of my account on a monthly basis.

The rep said that despite being in pay ahead status, if I still have autopay set up then Mohela will continue to take money out of my account on a monthly basis. He said that is how the system is set up.

I elected to remove the autopay.

Anyone who is in repayment status and is now on pay ahead status, were you told the same thing?