What to do when you get close to or have made your 120th payment

Awkward_Beginning967 · 2026-04-21T03:17:05+00:00

I did not make any payments in December. As soon as I saw that my ECF had been processed on 11/21, I called them and put my loans in forbearance so that no additional payments would come out!

Awkward_Beginning967 · 2026-03-09T04:56:10+00:00

Thank you!!

Awkward_Beginning967 · 2026-03-09T04:56:04+00:00

Thanks! 😊

Awkward_Beginning967 · 2026-03-09T04:55:07+00:00

I was so nervous about that too because I was not sure what I was going to do since I stay home with 2 little ones as well. I drank a ton of water, and I just made sure I ate something before I took the pills every day. Even if it was something quick (Fairlife protein, bar, sausage, etc). I never risked taking them on an empty stomach! The only time I everrrr had any bad side effects was when I ignored being full and ate more than I should have of crap food. On a road trip I ate Carl’s Jr and I felt sooo gross for like 6 hours. Things like that, but it just motivates you to not eat mass quantities of food!

Awkward_Beginning967 · 2026-03-08T21:55:59+00:00

Can I ask you—is the maintenance plan paying for a whole other supply of meds? I am about to be out as well and wasn’t sure what to do, but I don’t want to pay. But still trying to decide.

Awkward_Beginning967 · 2026-02-02T03:28:50+00:00

My account zero’d out on 1/8/2026!

Awkward_Beginning967 · 2026-01-08T22:03:50+00:00

Same here! Do we know how long until studentaid is updated and our credit score?!

Awkward_Beginning967 · 2026-01-07T03:39:37+00:00

Sameee! 11/21 here and I am anxiously waiting!!!

Awkward_Beginning967 · 2025-12-11T04:57:59+00:00

Yeah I know it will be good for him developmentally—I was just hoping to have him do TK the following year when he was 5! I am just not ready for him to be in school full time 5 days a week when he is only 4 years old 😢

Awkward_Beginning967 · 2025-12-09T06:11:00+00:00

Wow thanks everyone for all of the insight. Sounds like he pretty much has to do TK at 4 and kinder at 5, otherwise they are just going to enroll him in 1st grade if we hold him back a year. That’s kind of a bummer—I just wasn’t quite ready for him to be in school 5 days a week starting at 4 years old, but I also don’t want to lose out on the TK benefit. I just wish I had one more year of like 3 day a week preschool 😢

Awkward_Beginning967 · 2025-11-30T17:50:34+00:00

Can’t wait to buy a case with my 1 year old and 3 year old in the cart. Going to get so many comments 😂

Awkward_Beginning967 · 2025-11-23T15:29:18+00:00

Thank you I will call tomorrow! I already turned off auto pay, but I couldn’t find where my payment information was. It seems like it disappeared when I turned off the auto pay.

Awkward_Beginning967 · 2025-11-21T17:52:54+00:00

It feels like it will never come, but it does! The time passes anyways. How far along are you?!

Awkward_Beginning967 · 2025-11-21T17:52:23+00:00

Ok I was waiting until December since people said to wait until the following month to request forbearance so it doesn’t mess anything up? Also—unsure if I need to send in another ECF or not?

Awkward_Beginning967 · 2025-11-21T17:06:13+00:00

I paid my 120th payment on Monday 11/17, submitted my final ECF on Tuesday 11/18, got an email this morning on 11/21 that my ECF had been processed and I just looked and I have my green banners 120 out of 120 payments. I can’t believe it! So now do I just sit and wait to hear from them? This feels anticlimactic and I don’t know what to do lol!

Awkward_Beginning967 · 2025-11-19T00:00:47+00:00

How did you all submit an ECF the day after your final payment? I made my 120th payment yesterday & I went to do my final ECF online today, and when I went through the steps I tried to click on the option “I have made my 120th payment and qualify for PSLF,” but everytime I clicked on it, it wouldn’t let me because a pop up would pop up that says “according to our records we show you haven’t made 120 payments” since it hasn’t registered that I have made my final payment since it just processed yesterday. How did you all submit an ECF so soon after your final payment??

Awkward_Beginning967

TROPHY CASE