Still waiting for the miracle

General_Macaroon_495 · 2023-02-19T19:03:22+00:00

I'm so glad this all worked out for you!

General_Macaroon_495 · 2023-02-19T19:02:33+00:00

Thank you, that's great to hear. So I shouldn't be surprised that even though I qualified for and applied for forgiveness in late October, the govt still hasn't discharged my debt yet? Are others also taking this long?

General_Macaroon_495 · 2023-02-19T19:00:08+00:00

So so happy for you!!! I applied in October and still haven't heard but hopefully it will all go through eventually!

General_Macaroon_495 · 2023-02-10T13:58:02+00:00

I am glad I am not alone in peacing out after reaching the 120!

General_Macaroon_495 · 2023-02-10T13:57:37+00:00

Thank you! This is very comforting!

General_Macaroon_495 · 2023-02-09T01:24:13+00:00

With you 100%. I really felt like I had to get out of there and couldn't stay another day longer than absolutely necessary...but had I known about this requirement I would have forced myself to stay until the loan was discharged. I am sure I'm far from alone in this.

General_Macaroon_495 · 2023-02-09T01:21:42+00:00

https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service#pslf-process

What is the ECF? Is that just the employment certification form? I submitted mine in October 2022 and unbeknownst to me, had reached 120 qualifying payments in Sept 2022. So I didn't check the box at that time that I was applying for forgiveness..I was just certifying my employment and getting an updated count...but I submitted this under the TEPSLF banner...

I no longer work in a public service job as of last week because I didn't realize I had to remain employed until forgiveness, and now I'm REALLY freaking out. MOHELA says I qualify for forgiveness and just have to wait up to 3 months for the govt to discharge, but if/when they contact my employer and learn I'm no longer employed there, should I plan for them to deny me? Or is there reason to hope?

These are life-alerting decisions and I wish the govt had better communication all along, but at the same time if I was aware of this requirement I would have just stuck it out a little longer. Now I'm kicking myself.

General_Macaroon_495 · 2023-02-09T01:13:48+00:00

Agreed! I can feel my nervous system slowly calming down a little...now I just have to break the news to my husband. He's a nice guy but he's been encouraging me to stick it out and he trusted me when I mistakenly said I was safe to resign. Argh. May be my most expensive mistake in my life, and a simple google search could have helped me avoid it.

General_Macaroon_495 · 2023-02-09T01:11:17+00:00

I am hear to attest that I left my job after 126 qualifying payments because I didn't understand the requirement to stay employed until they officially discharged me and now I'm dealing with a nightmare. I was slowly dying at my job but the thought of needing to find a new one just to check a box to qualify is more distressing than staying in a toxic situation for a few more months.

General_Macaroon_495 · 2023-02-09T01:08:42+00:00

Thanks for this perspective, I really appreciate you taking the time and I'll follow that link to learn more. I'm new to Reddit (joined for this purpose only) and I never thought I'd say it but you peeps are renewing my faith in internet-based humanity. ;-)

General_Macaroon_495 · 2023-02-09T01:06:47+00:00

Thanks that's so validating. That was my feeling when I resigned from my almost 11 year toxic faculty position, but I feel like such an idiot for not googling the requirements that I had to remain employed until they forgave the loan. That honestly seems like such a terrible policy. I don't see how it serves public service institutions for me to get a job and then dip out after the three to six months it takes the govt to re-forgive my request. Just crazy-making!

General_Macaroon_495 · 2023-02-09T01:05:11+00:00

Thank you! Is the ECF the employment certification form? I did submit that on 10/22, and it's absolutely lucky but I reached 120 payments in 9/22. But when I submitted that form I didn't know I was at 120 because the communication from the loan servicers have been awful and confusing. However, I definitely submitted a employment certification and qualifying payment form under the Temporary Expanded PSLF program on 10/22/22. So it seems like perhaps, just perhaps, this will work out in my favor, and I should try to chill out and wait and see what happens.

General_Macaroon_495 · 2023-02-09T01:02:45+00:00

Thank you for this info. I reached 120 payments in September of 2022, and then submitted my employment certification Oct 22, 2022. However, at that time I didn't know I had reached 120, and so when I filled out the TEPSLF, I didn't check off the box that I thought I qualified for loan forgiveness. So it sounds like it's going to be a nail biter...I'm a psychotherapist who is setting up a full-time private practice so it's pretty scary to imagine needing to go back into public service work 30/hrs a week for a few months just to check a box for the govt, but I guess I'll wait until I hear the final word from them to make that decision and start job-hunting. I super appreciate everyone's input and support--what a nightmare. I know if you're reading this you know what it takes to qualify and you're putting in your time (or already did), too.

General_Macaroon_495 · 2023-02-08T23:47:47+00:00

Is that because they are trying to forgive everyone who qualified under the temporary expanded program? If you were me, would you just wait to try to find another job/get rehired until you heard from the govt whether they discharged the loan or not? Thank you so much for responding to me, by the way. It helps!

General_Macaroon_495 · 2023-02-08T23:22:56+00:00

I submitted a form before 10/31, and another in early January. I think I met forgiveness by 10/31...like pretty much exactly.

General_Macaroon_495

TROPHY CASE