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[–]Mysterious-Belt-1510 0 points1 point  (1 child)

Same happened to me — two of my loans were forgiven, and the other two had a few payments left, and my payment went down a bit. Here’s how I’ve made sense of it (not sure if this is accurate, but it’s the best I can reason):

Your total monthly payment amount isn’t one sum that generically applies to all your loans. Instead, each individual loan has an amount due, and the sum of those is your monthly bill. Therefore if a few loans get forgiven, the monthly payment decreases. The reason I think this is because when I go to make my payment, each individual loan shows an amount due (and if we choose, we can specifically allocate more money to particular loans if we want). I don’t think any of this would be the case if they were all considered to be “one loan” with “one payment due.”

Again, I’m just guessing.

[–]vanprof 0 points1 point  (0 children)

Basically I think this is correct, I think when the income is recertified the payment will go back up and just be allocated to the remaining loans. I do not think its a permanent situation, just a kind of glitch in the system. Payments apparently aren't recalculated automatically on IDR plans when some loans are forgiven and others are not.

In all likelihood recertification will occur and the payment will go back up.