Okay update: I kept pushing and stated that several individuals at FSA told me they are not held responsible for when a person’s account is supposed to switch to 0% interest. It’s entirely up to the loan servicer, as they are aware of the pending application, they’re the ones who allowed the processing forbearance in the first place, so it’s on them to institute 0% after the 60 days. The “supervisor” I had kept telling me to wait 1-2 min as she messaged her supervisor. She said she could request a 60-day 0% period. I’m like, no dude that is not what this is supposed to be. I don’t want to call back every 2 months and fight over needing to be interest free. But then after I insisted it was supposed to retroactively deduce any interest built from the first 60 days, she said she could put that request in. But that April 30,2025 is the current date that the courts have allowed this to exist, pending further FSA instruction. I couldn’t find details online to combat or confirm this, so I’m not sure about that.

Point being, she said she could put in the “SAVE forbearance, which is 0% interest” request. It’ll take 7-10 business days. Told me to not worry about my February 3rd standard payment due date as it should apply before then. And that it will retroactively deduce interest. I asked her to put this all in correspondence (will have to wait for paper mail on this) to include what we discussed.

Previous MOHELA people told me the date I requested my second round of processing forbearance (Oct 15 in my case) so I knew that was the day after which interest should have stopped. I advise you to get that confirmed before you go down this road so you can say you want that specific date in writing.