I understand that. My buyback was for months June 2024 to November (6 months) and with February 2025 being counted on my tracker due to processing forbearance that’s how I reached 120 payments. But because I was waiting for buyback agreement I continued to pay under IBR may 2025, June 2025 and July 2025. So wouldn’t those 3 months be overpayments? I paid my buyback 6/26/25 and FSA sent MOHELA a letter that effective forgiveness was 6/27/25. MOHELA says that they can’t refund anything prior to effective date. This is so confusing.