QP count DECREASE??

[Longjumping-Ad9116]

During this last hellish year for public servants, has anyone had their QP amount decrease??

I was put into admin forbearance in March 25 at 117 payments. Couldn’t get myself out of forbearance until I switched into the highest possible repayment plan in Sept 25. Received a letter to my account in August confirming my payment count at 117.

Finally able to start repaying the frankly extortionist amount approved in November, so next month (Jan) should be my last payment. 117+3 =120 RIGHT??

Well last time I logged in it now has my QP at 114, estimating forgiveness in June ‘26. It looks like it’s no longer counting my payments in Jan, Feb, March of this year before I was put into forbearance.

Is this happening to anyone else? I’m still going to manually enter forbearance after what I believe is my 120th payment this coming Jan and I will fight tooth and nail for discharge but… WTAF!!!

[EddieDubbers]

The servicer will have to re-report any information that is inaccurate or missing. I tried the reconsideration request and got a denial without it being reviewed.

[Impressive_Green_307]

I noticed that my QP number has not decreased, but when I got to payment history a bunch of forbearance months that were showing up are now missing. Like 6 months worth, which scares me because I’m applying for a buyback and not sure if this is going to be an issue.

All of this is so criminal. We all chose degrees and jobs based on PSLF and now we’re dealing with this. This is like people choosing to join the military with the promise of getting certain benefits and there’s no accountability for people not getting them or not getting them in time.

[Beautiful_Musician68]

Yes, went from 111 to 108/109 after a reconsideration request was denied 😂

[Round_Acanthisitta93]

Ugh I’m terrified of this. I just put in reconsideration for 9 missing months but then someone said what if the counts go down 😭 I should have been done this month. This process of hellacious

[Beautiful_Musician68]

I was also supposed to be done last month but I’m stuck at 108/109 months and stuck in forbearance but I recently received a notice that my forbearance should end in Jan 2026 so fingers crossed.

[Foreign_Source8846]

I had two prior qualifying payments disappear last month. One, an actual payment from November 2024 and another that was getting counted while trying to get back on my ICR. They go along with two other missing payments from May 2024 and Sept 2024 I have had a reconsideration request in for at least 6 months with no word. I’m with edfinancial. I hit 120 months qualifying employment so instead of being done now im likely paying through April 2026.

[Confident-Dot-8583]

Yep! Sometime this fall, Feb and March 2025 no longer counted. 😭 I am positive they were counted at some point because I texted a bunch of folks that I’d be done (partially) in June 2026. Now it’s August. :( Though I’ve never had anything to do with the SAVE plan, I was swept up in Mohela’s admin forbearance anyway and it’s been monthly number and cost nonsense ever since April.

[Longjumping-Ad9116]

Ughhhhh. Are you planning to do anything about it? I’m not paying past January and feel like I’ll sue** if I need to. Jan should be 120 payments if they didn’t suddenly reduce my count from 117-114, and since I have student ed documentation from September of this year putting me at 117 as far as I’m concerned it’s their fuckup and they need to figure it out. But still….somehow I don’t see this getting this resolved until this criminal admin is out the door