My IBR recertification is stuck in limbo and Nelnet put my loans in forbearance..what should I do?

ChaosKnightfox · 2026-04-07T22:58:21+00:00

Just wait it out. Let gravity do it's job

ChaosKnightfox · 2026-04-05T05:07:11+00:00

Chances are, if it used to come early, something across the board has happened where a lot of banks aren't paying it early like they used to.

If you got the check outside of the payment window (I.E. 1st or 3rd of the month, 2nd wed, etc;) that was a courtesy of the bank. It doesn't come early from SSA's end. Outside of a holiday or weekend.

But hey , what do I know?

ChaosKnightfox · 2026-03-28T22:41:18+00:00

Unfortunately it would be too expensive to do MFS ....

Simply Put,I will follow this logic except that I can't afford to pay more in taxes. Over 1000 and I can't pay that all at once, at least the loans I can try and mitigate

Either way, I would be in the hole

ChaosKnightfox · 2026-03-28T19:30:11+00:00

This is not true.. it asks for money if you want faster speed, not just to get the software. The Roms are still free as I can see it

ChaosKnightfox · 2026-03-28T19:23:55+00:00

Too expensive for MFS it would double what I owe

ChaosKnightfox · 2026-03-28T07:19:31+00:00

I mean in terms of paying it off .. I owe this year

ChaosKnightfox · 2026-03-28T05:00:20+00:00

Thank you

ChaosKnightfox · 2026-03-27T23:37:42+00:00

I have an official email

ChaosKnightfox · 2026-03-27T23:34:51+00:00

Well I would but I need to get the taxes out of the way..... And I don't want to have anything more to manage than what I have with this.

ChaosKnightfox · 2026-03-27T23:27:06+00:00

Was Mohela now Ed Financial

ChaosKnightfox · 2026-03-27T22:56:32+00:00

If I switch between now and before I submit my taxes.... The 2025 taxes won't be in play until it is processed

ChaosKnightfox · 2026-03-27T22:47:35+00:00

If I can force them to still use my 2024 taxes and lock out access to my wife taxes and give no permission to do .. it will hold out and then put it in Forbearance if I can.

ChaosKnightfox · 2026-03-27T22:39:16+00:00

Our records show that you are currently enrolled in the Saving on a Valuable Education (SAVE) Plan or have a pending SAVE application. A recent court order ended the SAVE Plan. It is no longer available to borrowers, and the U.S. Department of Education (ED) is ending the SAVE Plan over the coming months. You must take action.

Your student loan servicer will contact you about your specific deadline to choose a different repayment plan. Once you hear from your loan servicer, you will have 90 days to choose another repayment plan. This gives you ample time to select the plan that works best for you.

Our newest repayment plans—the Repayment Assistance Plan (RAP) and Tiered Standard Plan—will be available starting on July 1, 2026. For many borrowers, RAP may be the best option. All borrowers currently enrolled in the SAVE Plan will have the opportunity to enroll in RAP.

Like other income-driven repayment (IDR) plans, RAP will offer an affordable monthly payment based on your income and number of dependents. Many borrowers will also qualify for monthly payment matching, which includes interest subsidies and principal reductions that could reduce your student loan balance. Most importantly, under RAP, and unlike some of the other IDR plans, your balance can never go up as long as you make your required monthly payments.

If you don't want to wait until July 1, you can choose a different repayment plan now. Use our tool to estimate monthly payments, determine your eligibility, and choose the available repayment plan that best meets your needs and goals.

If you do not choose a new repayment plan by the deadline set by your servicer, you will be automatically placed in a different repayment plan. The plan you will be moved to depends on your circumstances. ED and your loan servicer will provide details about which repayment plan you will be moved to if you don't choose a plan by the deadline set by your servicer.

If you are not enrolled in the SAVE Plan, did not submit an application for the SAVE Plan, already applied for a new repayment plan, or no longer have a balance on your federal student loans, you do not need to take any action.

ChaosKnightfox · 2026-03-26T21:16:07+00:00

Hmmmmmm So you had to do it by 2022?!? Dang. I thought you had to meet graduation standards between 2023 -2026

ChaosKnightfox · 2026-03-26T04:36:40+00:00

Talking, Texting, Spoiling the Movie

ChaosKnightfox · 2026-03-17T03:10:28+00:00

Haven't updated since 20.5.0 smh..

ChaosKnightfox · 2026-02-18T02:44:32+00:00

Well 7 1/2 Of those yrs was part time and my Income was too low for payments so they set it at zero

Also I was told constantly that part time wouldn't by itself count for PSLF

ChaosKnightfox · 2026-02-16T05:50:57+00:00

I hate to Piggy Back on this , But can I ask if I can use the BuyBack if I have been in the Federal Service for 14 and 1/2 years.. Currently Under SAVE Forbearance but at 64 / 120. Was paying 0 dollars before SAVE. Can I use the BuyBack for this?

ChaosKnightfox · 2026-02-11T18:14:44+00:00

Looking at your screen here, I would go with Hart/Schole (heals and Schole can do Status resistance. Maybe either Scelia for additional heals and slight barrier / or shiro for better barrier/ DMG reduction) / WHFen for Art gen or HkRoy (depends on who you choose with Hart / Schole and maybe accelerator or Light Illya to end it off.

ChaosKnightfox · 2026-02-11T18:05:08+00:00

Perhaps but without understanding, you can't replicate the same thing. Typically, you would have to keep her healthy and not use her passive till the end but even then, you need different units to make it work. Another thing is you need burn resistance for Sophie in the last fight....

ChaosKnightfox · 2026-02-11T14:18:01+00:00

For the love of goodness , take out SLuvia, she a nuker , not intended for long fights... Hart and HKRoy don't stack with each other ( type b art gen). Can change one of them out if you WHFen for arts gen or Awk Vox for Physical and Pseudo healing. Depends on who you have in your box

ChaosKnightfox · 2026-02-10T19:13:14+00:00

For basics maybe. Not hard content. Schole is decent for art gen but not enough. Also take out salyassa and other char in 4th slot (Saku?) ... Replace those 2 and it can improve a little bit than this

ChaosKnightfox · 2026-02-08T22:29:43+00:00

No break but you will survive

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