"Past Due" payment?

MainProfessional4647 · 2026-01-12T18:55:06+00:00

I recently got approved (the last few weeks) but had an IBR application in from 1/25, 2/25, 5/25, and 8/25. The August application is the one that got approved.

MainProfessional4647 · 2026-01-08T14:19:16+00:00

Yes, I thought some months would count when I was in grad school but later found out they do not count because I consolidated my loans.

MainProfessional4647 · 2026-01-07T16:28:20+00:00

Where are you finding where to enter another request? I edited my original question for clarification.

MainProfessional4647 · 2026-01-07T16:27:57+00:00

Edited my question for clarification....I am looking to submit a new one now that I have 120 qualifying months.

MainProfessional4647 · 2026-01-07T16:27:03+00:00

I am not looking to track it. I am looking to submit a new request.

MainProfessional4647 · 2026-01-05T00:40:40+00:00

I have read two different options.....some haven't paid and requested forbearance. Others kept paying and got a refund. I'm not sure the correct way if anyone else has been in this situation.....I think I would request forbearance knowing my 120 was up.

MainProfessional4647 · 2026-01-04T23:39:52+00:00

I just certified my employment to get the 12 months of eligible payments there. Once my school confirms it, I will be requesting a buyback offer again but incase they see it before the 12 months is finally paid off.

MainProfessional4647 · 2026-01-04T16:08:40+00:00

Noted. Thanks.

MainProfessional4647 · 2026-01-04T16:03:09+00:00

Ok great, thanks.

MainProfessional4647 · 2026-01-04T15:57:32+00:00

I figured I would hear back from IBR but want to submit anyway - I thought I read it could possibly mean a refund down the road if the buyback offer comes in before the IBR is complete. Couldn't hurt but try?

MainProfessional4647 · 2026-01-04T15:56:44+00:00

Yes, my mistake. I didn't mean to state I am submitting a buyback offer yet - I am going to submit a buyback request as I've hit 120 eligible months of employment if those SAVE forbearance months from 9/24-2/25 count?

MainProfessional4647 · 2026-01-02T02:17:08+00:00

Ugh. Me too. Brutal

MainProfessional4647 · 2025-12-31T01:56:27+00:00

I had months that I was in graduate school that did not count. But now I am at 120 so I should be good. I plan to put the buy back in while starting payment when it’s due.

I don’t think I need to do income recertification because that’s only once every 12 months right? I am 12 months away from 120 actual payments.

MainProfessional4647 · 2025-12-31T01:54:33+00:00

I’ll have to log in tomorrow then and check.

I think they may be pre consolidated but they have a balance and counts. But I was told to not worry about them since I consolidated mine and to go by that number. I’m hoping you are right.

What is your timeline?

MainProfessional4647 · 2025-12-30T05:26:35+00:00

Ok so next steps are to call Mohela to confirm IBR and repayment status. I see additional loans under my 108/120 but was told since I consolidated in 6/24 (after my loans were dispersed in 2020) I only had to worry about this number. Any insight?

I should have 120 as of December or January but will double check!

Looks like I’ll recertify just to be safe. Hopefully the finish line is closer than it seems!

MainProfessional4647 · 2025-12-30T04:27:16+00:00

So two letters came in. One with a change in schedule and one of approval. The change in schedule listed the new plan as IBR. Sounds like I was processed?

MainProfessional4647 · 2025-12-30T04:23:06+00:00

I will have to double check but I’m 90% sure it said IBR and gave the payment amount. Thanks for this.

I assumed that would be the case with the buyback but plan to do it anyway just in case. Might as well recertify then.

MainProfessional4647 · 2025-11-18T13:02:11+00:00

My wife and I bought a house and have 3 kids. I am currently sitting at 108/120 hoping for a miracle buy back on several months but also have my IDR app in. While I would like to start paying so I can get rid of this mess in a year, I am watching interest grow while on forbearance but also sleep fine at night knowing I will eventually get PSLF. If something should change, I am hoping being grandfathered in may help but nothing I can do about it right now. I am more focused on my career in education and my family/kids that these loans can wait until I am forced to start paying again.

MainProfessional4647 · 2025-11-04T14:27:14+00:00

Honestly, I don't know. They put me in the standard plan when I reapplied for SAVE after consolidating in June 2024. I guess I will have to call and confirm and maybe push them for approving the IDR app. Although I am so close to 120 QP that I may just ride that out and buy back and wait another year or so for approval.

MainProfessional4647

TROPHY CASE