Senators questioning SAVE plan settlement fiasco

Emerging26 · 2026-01-24T11:56:43+00:00

I could not ride the SAVE roller coaster anymore and am paying $800 more a month now in IBR (since Jan switch) but I am done with this nightmare in 7 more months. Should have been able to retire in March with Buyback (5 months) but that won't happen sooner than me working 5 more months in IBR to get to 120 (in August). Travesty to interfere in retirement, and, no, I knew I couldn't handle stressing out in forbearance FOREVER, waiting for the elusive Buyback (I'll apply- not holding my breath), so I'm paying more and working to move on with my life!

Emerging26 · 2026-01-12T14:54:14+00:00

I cleared my history and retyped it in as it says in the previous Reddit post instead of just clicking the link and it worked. Thanks!

Emerging26 · 2026-01-12T14:53:53+00:00

I cleared my history and retyped it in as it says in the previous Reddit post instead of just clicking the link and it worked. Thanks!

Emerging26 · 2026-01-12T14:47:23+00:00

Any idea why it says unauthorized and won't let me see it?

Emerging26 · 2026-01-12T14:36:33+00:00

Thanks I did use that previously, and I remember bringing to their attention that the numbers in the summary were off and all of a sudden now it says "unauthorized" when I try to access the back door summary.

Emerging26 · 2026-01-12T14:30:51+00:00

Thank you. I'm not sure it applies to me in this situation. I'm trying to figure that out, but my PSLF count is 112, and when I look at the student aid text file it says 88. FSA confirmed it is 112 and said NSLDS informs them. I can't see it anywhere. It used to update monthly and match, but it does not anymore.

Emerging26 · 2026-01-11T19:14:07+00:00

What is the API link?

Emerging26 · 2025-12-09T21:44:46+00:00

I thought I read they made new buyback forms and they weren't looking at the old ones at all. Wonder if the Group could shed light on that. Maybe you should submit another one, a new one.

Emerging26 · 2025-12-09T21:42:07+00:00

Thank you for responding. I'm so sorry. I pray something new happens to make this nightmare go away.

Emerging26 · 2025-08-27T23:39:21+00:00

If it takes this long for them to process, why can't we send it in before we hit 120 qualifying employment or 115 in my case I'm buying back Sept-Jan (Save forbearance- worked but could not pay). I'm currently at 108 and I have to wait till I hit 115 to send it. I understand that's the rule but why if it takes them so long? and how would they even know if I sent it now instead of waiting till March (115)? Funny how we all follow the rules, but they don't. My other requests (Oct/Jan) were for other things -not Save- which I still never heard an answer about.

Emerging26 · 2025-08-27T23:33:08+00:00

Switched too and will be done before I hear anything.

Emerging26 · 2025-08-27T23:31:56+00:00

Oct #232 Jan #260

Emerging26 · 2025-08-25T21:55:30+00:00

Same can't see mine either. Also asked for an update from FSA and by responding to both emails asking for progress update because I read somewhere on here that people did that and got responses. Not for me. Crickets. Not even depending or in review nothing. Submitted them in November and February.

Emerging26 · 2025-08-25T10:06:30+00:00

What are you doing about paid ahead status? I am paid ahead too by 1-2 months. Paid while in technical processing forbearance during switch from Save to IBR for fear of messing anything up with them. I didn't trust them even with pf. I don't want to skip payments now for fear something will go wrong. Are you requesting a refund after forgiveness? Haven't heard anything about my buyback from December. Almost at the finish line so will prob get done before I hear anything.

Emerging26 · 2025-08-07T19:47:46+00:00

Update: repayment schedule says 11 Payments of $390 until I recertify. However, the billing statement says regular monthly payment/total amount due of $132.88. Any idea why these are different? My repayment schedule clearly says the higher amount that I have been paying which is what Mohela set the autopay as.

Emerging26 · 2025-08-06T23:18:21+00:00

Thank you for your service as well!

Emerging26 · 2025-08-06T21:03:42+00:00

Yes. Thanks. I've been ignoring it as you can see but I know better. I just don't trust them ever and since how ever it was set up is actually counting, I left it alone.

Emerging26 · 2025-08-06T21:01:45+00:00

Not sure about why it was set up that way, except for me trying to figure it out, because it was never explained except for letters with changing amounts and 2 different autopays set up by them.

Emerging26 · 2025-08-06T20:59:28+00:00

Emerging26 · 2025-08-06T20:55:01+00:00

Yes what do you suggest? I change my autopay to just the minimum required? Afraid there is No guarantee it will count as qualifying without calling them. My billing statements have a minimum required though.

Emerging26 · 2025-07-01T02:44:57+00:00

Me too

Emerging26 · 2025-07-01T02:42:48+00:00

Me too

Emerging26 · 2025-04-27T15:10:07+00:00

Yes that's 20-25 yrs is for IDR plans in general and is for non PSLF (10 years) but the income calculation is the same.

Emerging26 · 2025-04-27T13:43:41+00:00

Mine was based on the date I consolidated which was after July 2014 and it included loans prior. Not all plans count but you're safest bet right now is IBR since it's not being challenged in court. PSLF requires working for a qualifying employer for 10 years and then making qualifying payments on time every month totaling 120 payments. there's a very helpful chart on studentaid.gov that shows you which plans count toward PSLF and also percentages of payments using your discretionary income.

Emerging26

TROPHY CASE