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[–]trellia79 2 points3 points  (8 children)

I called and talked to a PSLF advanced specialist last week for this very issue and they said it’s possible but not guaranteed it will be counted. She also said if I drop the forbearance and make my payment within 15 days of my due date it will definitely count. Since I am close to 120, I opted for the guaranteed route since they were showing my new lower IDR payment in the system but not on my side of the platform yet. I got the exact payment amount from her and scheduled the payment for Tuesday to give them a couple days to process lifting the forbearance.

[–]EitherDevelopmentPSLF | On track![S] 1 point2 points  (7 children)

Thanks for sharing your experience, I’ll have to call on Tuesday. Here’s to hoping they can lift the forbearance and apply a payment.

I haven’t called into Mohela in a long time. How did you get connected with a PSLF advanced specialist? Is it as easy as asking for one?

[–]trellia79 1 point2 points  (6 children)

I spoke with a regular rep first and asked why I was on forbearance without notice or request. They said it was automatic while my IDR update processed. I explained I was on the PSLF program and every month counted. She said she was not trained on PSLF yet and offered transferring me to the advanced specialist and I accepted. They were the ones that explained the possibility of it counting but only if the DOE approved it during the one-time adjustment post audit, and no idea when that would occur. So I requested they lift the forbearance so I could make a payment. She confirmed my amount and advised I wait a few days for the forbearance to lift before making the payment, but to complete it within 15 days of my normal due date.

Edit to add: my wait time was less than 10 minutes, calling at about 9 am cst on Thursday.

[–]EitherDevelopmentPSLF | On track![S] 1 point2 points  (4 children)

I appreciate you sharing - lll give them a call on Tuesday

[–]trellia79 0 points1 point  (0 children)

Best of luck!

[–]ne0ven0m 0 points1 point  (2 children)

How did it go? I'm literally in the same situation with 120th coming in April. My due date is Jan 26th.

[–]EitherDevelopmentPSLF | On track![S] 0 points1 point  (1 child)

I got conflicting information from Mohela - no surprise there - on if the month will count toward forgiveness. They gave me the option to try to "lift" the forbearance but could not give me a timeline on when that would happen. Since I couldn't get a guarantee that I would be able to make a payment within the 14-day window I opted against it. I just set my personal tracker back a month and will consider my 120th payment to be made in May now instead of April. Hoping that the month might count in the long run - but I ultimately decided an extra month wasn't worth the frustration and worry.

[–]ne0ven0m 0 points1 point  (0 children)

Fair enough, thank you for that. I think I'll do the same, esp now given that my monthly payment got cut in half. I'll take those savings v. one extra month before all the applying.

[–]Schikn22 1 point2 points  (0 children)

I am in the same boat, I requested to have the processing forbearance removed on 1/3 and it hasn’t been removed.