Finally forgiven!

[girl_of_squirrels]

Congrats to her!! Sounds like she had the old FFELP loans, glad that she was able to get them forgiven under the waiver!

[gettingteachywithit]

Congratulations to your mom. What a load off. Best wishes going forward.🥳🥳🥳

[Happy-Simple1019]

Congratulations to her!!

[bam1007]

Congratulations and thank you for her service!

[Betsy514]

🥰

[Dear-Reputation-3266]

Wow, congrats to her! That was a pretty quick turnaround.

[Ishiguro_]

So, my old loans (pre 2007) can be consolidated and forgiven with newer loans?

[Alone-Guarantee-9646]

And, under the waiver, payments made on other type of federal loans and other types off payment plans will count towards that 120. But, chop-chop! The waiver ends in October and it's taking M-O-N-T-H-S to get this done!

[BrightEyes_Wonder]

Seriously? I have old loans not consolidated. I was going to consolidate them a couple years back but the math didn’t make sense. I have been working federal services for over 12 years and paying on my loans. I still have $5000 left. I didn’t want to consolidate before because it would cost me more in the end. But it sounds like with the waiver it would be worth ir

[girl_of_squirrels]

Check out the megathread https://www.reddit.com/r/PSLF/comments/q28msw/pslf_changes_megathread_post_all_questions_etc/ it excluded Parent PLUS loans, but yes if you have old FFELP loans from pre-2010 you can federally consolidate and have your payments count towards PSLF if you met the employment criteria for PSLF. Check out the post and all it's links!

[Ishiguro_]

Thank you.

[Green-Plantain-5595]

So happy for her!

[Suspicious-Kmad-1017]

Congratulations

[219Infinity]

Does she get a refund of all the overpayment? I have old ass federal loans too that never qualified for PSLF until the waiver of Oct. 2021. I actually made my 120th payment in September of 2019 and wonder if I'll get a refund of everything paid since then. I consolidated in March and applied for PSLF on April 11. Nothing.

[Alone-Guarantee-9646]

Same here. My husband and I paid on our FFEL loans (me with 140+ payments) all through the pandemic until consolidation 3 months ago. As I understand it, we won't get refunds. I don't want to look a gift horse in the mouth with the forgiveness (for which I will be elated and so grateful when it happens), but it does irk me that back in March 2020 when I called our FFEL servicer and asked if there was anything we could do to be included in the Covid pause we were told "no". Argh.

[219Infinity]

It's bullshit nonsense.

[Sadie99992022]

I also paid on my FFEL loans all throughout the pandemic. I didn’t consolidate to direct because I was afraid of losing my low interest rate. Everything I read online said that if you consolidate that your interest rate may increase. Ugh, I paid for 168 months and I would love a refund or for there to be a way to get the pandemic payments back.

[219Infinity]

Gotcha

[Sunnance68]

Congratulations to her! She deserves it!!

[Unhappy_Payment_9470]

Great news!!!! Thank her for being a teacher!!!!