I know there’s been some fear and talk about automatic payments not going through on weekends so I just wanted to share some good news that my (new) 120th payment was posted today, Saturday. I have Mohela. I’ve been waiting for buyback for nearly a year and decided to keep paying and hit “120” today. Wish I could celebrate but hoping someday soon I will. Hang in there everyone. It’s been one moHELLa of a ride.

I'm so confused...

For background, I made regular PSLF monthly payments (enrolled as soon I started my nonprofit job) starting in 2017, but then didn't pay during the pandemic (like most of us!) When SAVE came around I enrolled and continued to not make payments as the system told me it was in legal limbo, but then when Trump won, I assumed it might be held against me, so I switched back to a regular IDR and started making payments.

So now I'm seeing this "ineligible" for random months, where one month is listed as "ineligible" and then the next month is fine...and this is the error message I get "Reason(s) for Ineligible Status:Forbearance on Due Date."

But it's so confusing.. for example.why would a July 2024 payment be eligible, then the Aug 2024 is not, and then Sept 2024 is?? I guess my question is...why are random-ass months ineligible due to forbearance?

I feel insane...like how are random months being counted against me, when nothing changed in how I was tracking/working?

I am not close to 120 yet (about halfway including save purgatory), but I did submit to buy back these save forbearance months. This got me thinking, what happens if you spend so long waiting on buyback that you reach 120 without buyback? Like if my buyback months would have been at 80 a month for two years, and instead I pay $400 a month for two years because buybacks don't get processed, am I just out that $7600 extra? Or do they acknowledge that instead of $9600 I should have only had to pay $1920?

I got my green banners back on August 6 after my July payment was processed. I waited two business days before submitting my ECF requesting for discharge of my loans (2) and placing my account in forbearance to avoid making further payments, because I was done with making payments.

A week-ish later, I got the "congratulations" email and In it, it said it can take up to 5 weeks to process the discharge of my loan. No problem.

It's been closer to 10 weeks now and there is still no update on my discharge.

I am now getting email notifications from MOHELA that my IDR recertification is coming up and my account still hasn't updated nor have I received any further communication stating that my account has been zero'd out on the StudentAID website.

Can anyone give me some insight as to what's happening? Did I miss a step anywhere? Am I supposed to call in and wait on hold for many hours before getting this resolved by a human?

FWIW, I'd like to share screenshots, but this sub won't let me. The option to do so is greyed out.

Hey everyone! Just posting bc my loan servicer is EdFinancial, and my PSLF app has been in limbo since May of this year when I first submitted it…my pay stubs were finally certified mid-August (over 2 months ago now), and I’ve heard nothing since. Customer service said to expect a max of 4 weeks of processing time and it’s been twice that. I’ve been given the runaround by their customer service…

Just wondering if anyone has experience with this loan servicer and what I should do next to try to get my PSLF set up? I’m pretty sure this is the last step I need, and my payment is overdue now and I don’t want to pay yet since it won’t go towards PSLF…thanks!

So I'm on PAYE plan with Mohela. My annual IDR recertification date was in January 2027; but I wanted to submit IDR recertification application earlier. So, I submitted one a few days ago and got a message / documentation that it has been approved. This is the message I got, but I'm confused:

"What Happens Next?

There is nothing you need to do at this time. We will send you your new Repayment Schedule after your current 12-month period expires."

Does this mean they'll send me my new repayment schedule AFTER January 2027 (after my current 12-month period ends) and continue current monthly payment at same amount until then? So do I still have to recertify again in January 2027? Or will my annual ID recertification anniversary date reset to October now that this new IDR recertification has been approved?

Hey all,

Like so many of you, I too am having PSLF tracker issues. My ECF that I uploaded on October 5, 2026, still has yet to be processed.

https://www.reddit.com/r/PSLF/s/hTM9HGf4u8

My tracker was last updated on September 17, 2026. The backdoor NSLDS api was last updated on October 13, 2026, at which time my eligible payment count increased. I last made a payment on September 21. My due date was October 1.

I know that this isn’t very helpful, but it’s all I know at this point. 😔

Has anyone successfully had an ECF processed recently? Missing counts aside, what was the approximate timeline?

Due to a mixup on the government's side (mixing up my loans with my husband's), I am so frustrated I'm ready to suck it up and go for another year and pay PSLF. Unfortunately, when I tried to find a new plan (I was on graduated extended), there is no PSLF-eligible plan available for me. How can this be? Help!

Can you apply for buy back if you reached 120 months of employment but the tracker is still messed up?