What the actual Eff!
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.