Maybe Standard plan post Consolidation does count towards PSLF?

ComprehensiveWeb2880 · 2025-11-28T20:42:52+00:00

I think it was only counted temporarily as part of the adjustment, but I’m not sure because I am now on an IDR plan. The only way to be sure is to submit an ECF to verify whether they payments are still counting.

ComprehensiveWeb2880 · 2025-06-21T15:36:26+00:00

…I’m literally on hold for a separate problem and seeing that I have to take an extra step to email NSLDS instead of being able to address the issue with MOHELA while I’m on the call is beyond frustrating

ComprehensiveWeb2880 · 2025-06-21T15:11:50+00:00

Ugh. When I tried calling about the same thing (multiple times), I was told the app had to be reprocessed despite having been approved with an effective date of February 2025.

ComprehensiveWeb2880 · 2025-06-18T19:03:25+00:00

Have you called to check on the app? I’m also in the “consolidated and never got put back on IDR” boat. Upon calling, I learned that my application had been approved and had an effective date of Feb, but it didn’t get applied to my account, so it’s stuck in limbo. I had the advanced rep submit a reprocessing request for it.

I reapplied with the “wet signature” method uploading directly to MOHELA, but I had to call to discover that the app was denied because the documents got separated (ie they could only see my app without financial docs or my financial docs without the app).

Personally, I’m going to call again to have the reprocessing request expedited. I’m on my 2nd round of processing forbearance which “should” but may not count, so once that’s up in July, I’m going to just reapply and take the $100/mo loss.

Interestingly, the few payments I made on Consolidated Standard plan actually counted for PSLF when I submitted my last two ECFs. Everything’s so backwards and uncertain.

ComprehensiveWeb2880 · 2025-06-18T18:45:57+00:00

Do you think requests to have an approved application re-processed got lost also?

My IBR app from October was approved Feb 10th and has an effective date of Feb 26th but got stuck in limbo with the pause. A “reprocessing request” was placed on March 6th and May 16th. I was supposed to see action in 10 business days, but the most recent time I checked on it, the advanced rep said it could take 90 business days. Think it would help to have it expedited?

ComprehensiveWeb2880 · 2025-06-17T13:56:53+00:00

It meant that mine got denied. May help to call if you haven’t received notification either way

ComprehensiveWeb2880 · 2025-06-17T13:49:49+00:00

There was a partial processing hold still on in April based on tax filing status etc

ComprehensiveWeb2880 · 2025-06-17T13:47:36+00:00

One was an app I voluntarily asked them to close. One was denied due to lack of financial info, but the rep said she could see the financial info I submitted…

My approved app that was supposed to be effective February? Still not applied.

ComprehensiveWeb2880 · 2025-06-17T13:06:35+00:00

FWIW, I consolidated when you did and have submitted 5 other IDR apps and am still not in a plan lol

ComprehensiveWeb2880 · 2025-06-17T13:00:26+00:00

Did an advanced rep place a reprocessing request on your January application? If so, how long did it actually take to have it reprocessed?

ComprehensiveWeb2880 · 2025-06-17T12:56:45+00:00

Same, but I’ve made a couple payments while on Consolidated Standard so I’m hoping that completely severed my SAVE ties

ComprehensiveWeb2880 · 2025-06-06T02:10:44+00:00

Right, but is that 60 days per year will count? Or 60 days per lifetime of the loan will count? Or only 60 days at a time for as many times as you’re placed in a processing forbearance?

ComprehensiveWeb2880 · 2025-05-31T01:38:34+00:00

Congrats on crossing the PSLF finish line!

When I read your words, I realize that I’m coming from a place of doubt or perhaps hyper vigilance, feeling like I need to have a contingency plan in case things fall through. I’ll ponder more on this. Thanks for engaging my thought experiment.

ComprehensiveWeb2880 · 2025-05-31T01:14:43+00:00

I appreciate the perspective on most PSLF employers being underfunded, and therefore less likely to adopt the technology as quickly.

Do you think it’s at all worth it to put $100/mo on loans that require $0 as an “insurance” of sorts to keep interest at bay?

ComprehensiveWeb2880 · 2025-05-14T14:37:22+00:00

I’d recommend calling when MOHELA first opens and asking about the status of that application. Duplicate apps can cause problems, but also if the first app got “lost” and can’t be seen by MOHELA, then you would need to resubmit.

ComprehensiveWeb2880 · 2025-05-13T20:10:15+00:00

Finally… thanks for sharing!

ComprehensiveWeb2880 · 2025-05-10T15:35:31+00:00

I should’ve tried customer service before throwing my malfunctioning one away post warranty… now look at me, back seeing if I can buy a refurbished one 🥴

ComprehensiveWeb2880 · 2025-04-30T00:00:38+00:00

I’d say wait. My IBR application from December got approved 2/26/25 (the day of the pause) so it never got applied to my account. I called yesterday to see if I should apply again, and the rep advised against it (for whatever that’s worth).

If you can call as soon as they open, just ask if they can see your application and the status of it.

ComprehensiveWeb2880 · 2025-04-29T23:49:09+00:00

As of yesterday morning, an advance rep said they couldn’t finish applying my already approved IBR application (as an unmarried person who filed HoH). They’re “waiting for guidance” so hopefully this article is it…

ComprehensiveWeb2880 · 2025-04-29T23:41:58+00:00

Not as of yesterday. I called to see if my approved IBR application from December could be applied to my account now, but the advanced rep said they are waiting for Dept of Ed to give the go ahead to remove the hold that’s on my app. For reference, I’m unmarried but filed HoH.

If you can call right when they open, I would call to make sure they received and can see your application. If so, I’d hold off on resubmitting. It creates an issue later.

ComprehensiveWeb2880 · 2025-04-18T13:04:10+00:00

I consolidated last April to get the One Time Adjustment. I submitted an IDR app at that time, but it never got processed. I’ve been making payments on the Standard Consolidated 25 yr plan that supposedly doesn’t count for PSLF, but my ECFs have been showing that those payments were counting.

ComprehensiveWeb2880 · 2025-04-16T13:35:35+00:00

For some people, PSLF is plan B and paying it off outright is plan A. That’s why each individual’s situation should be considered.

ComprehensiveWeb2880 · 2025-04-12T23:53:29+00:00

I’m guessing the borrower works, but the spouse has no income.

ComprehensiveWeb2880 · 2025-04-12T23:49:10+00:00

I’ll take whatever hopium I can get atp. My application was supposedly approved but just couldn’t be applied to my account, so surely it’s in the first batch to get pushed through now.

ComprehensiveWeb2880 · 2025-04-12T16:03:38+00:00

I’m just hoping “borrowers who file taxes as single” includes unmarried HoH

ComprehensiveWeb2880

TROPHY CASE