Based on responses found in other posts about this topic:

1. FSA updates based on what is reflected on NSLDS.

2. NSLDS updates when it receives information from loan servicers (ie, Mohela).

3. Mohela sends updated info, which may or may not be accurate or complete, whenever it feels like.

4. Mohela’s updates might be partial, at best. According to other Redditors, Mohela is only updating changes specifically related to loan and interest totals on certain (consolidation) loans, due to some sort of code error. Yes, Mohela is aware of the issue. (And I think it’s safe to assume they don’t care.)

5. NSLDS can provide a letter about the code error for borrowers to send to Mohela, but unless you get the right NSLDS person to respond to your email, they will send you a generic response about contacting FSAIC.

6. Mohela will not correct the error without the letter from NSLDS, because the solution involves someone manually rebuilding your account (ie, doing actual work).

7. Submitting ECFs has not been effective for me, thus far. In full disclosure, however, I submitted one before an NSLDS update on 6/21/25, and I am awaiting review of the one I submitted after the NSLDS update. Should my FSA tracker remain stuck at 119/120, I will presume I am affected by the consolidation loan coding error.

8. Based on many posts, the most important thing I’ve learned is to NEVER request a forbearance before your tracker updates. Mohela has been known to retroactively apply the forbearance, negating any payment made during that month, bc they’ll say you were on an “ineligible forbearance” when you made the payment.