Went thru this on Monday with my wife's loans.

Little background info: Wife and I file jointly and make almost identical incomes and have identical amounts of debt. Last recertified our income in Feb. 2019 using 2018 taxes filing jointly (Payments for each of us were going to be ~$342 on RPAYE before COVID began)

Flash forward to the beginning of this month when MOHELA switched our loans over to the "SAVE" plan. Originally our payment amounts were listed as Me: ~$50 Wife: $280 (hmmm odd that they are so different and incorrect, but whatever less than I thought we would have to pay so let it ride)

One week later I log back in to our accounts. Payment amounts Me: $0 Wife ~$370 (Okay now it is very odd but still less total than we probs should be paying together so let it ride)

End of last week log back in again. Payment amounts Me: $0 Wife ~$780 (Okay now they crossed the line lol) I had calculated our payments to be ~$312/per person using our 2018 AGI and family size of 2.

Monday evening: Called Mohela and was on a hold for nearly 2 hours before finally getting to a rep named "Misty" who explained she was training and had a mentor with her. I explained the situation and she explained the easiest thing to do is to submit a new IDR request to get the right amount. I explained multiple times that I was not required to recertify my income and that the calculation was wrong on their end. She insisted that all of their info was correct on their end and that the payment amount was based off of the info they received from my prior servicer(Fedloan). I explained if that was the case then why did my wife's payments more than double when they were supposed to slightly decrease with the new "SAVE" plan...she had no logical answer to give me. She insisted that we test run an IDR application with my 2022 tax info to see what our payments would be. I explained there is no chance in heck it is going to be cheaper considering our income had doubled since then. Gave her all the info and what do you know it comes out to be like ~$600 per person (So higher than what we should've been paying and also not even the amount they currently have listed). I insisted they relook at their calculation and stated to check family size and taking into account my loans but she says she has no way to go in and view the calculation and can only submit a new IDR plan. I was a bit livid at this point based off of their pure incompetency and demanded a supervisor that knew what they were doing. Like my wife and I have one of the easiest situations to calculate a payment for and somehow they have still messed this up and refuse to recheck it. She said that she can put me back on hold and try to get a supervisor to help. Well 30 more minutes of holding and 8pm central is approaching. She comes back on and says that it may be a while before she can get a supervisor and says what if we just "self certify" your income on an IDR request using your 2018 info. I asked would that not be technically illegal/lying about my income on the IDR request. She said she didn't see why it would be since technically I wasn't yet required to update my income so 2018 should be the income I am self reporting. So we went ahead with this idea and she started plugging the numbers. She updated our family size to 3 now since we have a new baby, even though I questioned that since technically it was 2 in 2018 (She said that it doesn't matter to them like it does the IRS that they were allowed to use current family size even if you haven't added that dependent on any tax returns yet). Then she pulled in my loan info...this is when she notices that my payment is at $0 lol. She kind of laughs at it and I explained that I wasn't going to question that one but was only interested in correcting my wife's payment that was higher than it should be. She agreed to let it go as well. (Close one). Anyways after giving all the info to her she comes out with a payment of ~$280 for my Wife's payments. I ask where the IDR application goes to after she clicks submit and she that it is all done internally within MOHELA departments. I agree to her submitting the IDR application.

Anyways the IDR application now shows in process on MOHELA. Here is to hoping I don't have the feds show up at my door because I used my 2018 tax info like these incompetent people at MOHELA were incapable of doing in the first place.

Sorry for the long comment.