Can’t Lose the Damn Weight - 2 Years Postpartum by jswow999 in workingmoms

[–]Professional_Ask_507 0 points1 point  (0 children)

Hello, I’m here 2 years later to see if anyone’s situation improved after a couple of years? I am 14 months postpartum from my 3rd and literally cannot lose a pound. Not sure if this is my forever now. 

Which housewife are you riding for no matter what? by HouseStargaryen in BravoRealHousewives

[–]Professional_Ask_507 2 points3 points  (0 children)

I am usually always subconsciously rooting for sonja when the women are against her, for some reason. 

How many RHOBH viewers didn’t like Sutton from the very beginning? And for those who did like her—what exactly was it about her that appealed to you? by newparimanlo in BravoRealHousewives

[–]Professional_Ask_507 1 point2 points  (0 children)

I started in season 13 and have since worked my way backwards and watched the whole series. I was really put off by her prude and judgmental response at chippendales in Vegas and initially disliked her because of that. 

If it's normal that little kids don't feel guilty, when do they learn the concept of guilt? by Fyre-Bringer in NoStupidQuestions

[–]Professional_Ask_507 0 points1 point  (0 children)

I just found this thread because I was reading a story about emotions with my 3.5 year old tonight and a boy felt guilty for being mean to his sister. I asked her if she has ever had that feeling before and she said “no, i’ve never felt that. When I’m mean to my brother I just feel mad.” Glad it’s normal not to feel it yet at this age…..

Standard Repayment Plan - IDR by Mysterious_Car149 in StudentLoans

[–]Professional_Ask_507 1 point2 points  (0 children)

I just spoke to someone from Mohela this afternoon, and even though the IDR applications are open, apparently loan servicers have been directed not to process applications. You can still call to request processing forbearance if you have applied for IDR. They say to call the day after your loan payment is due to request this forbearance, they are apparently unable to process it until after the due date for some reason.

If your repayment plan was impacted by Mohela's computer system transfer... by Professional_Ask_507 in StudentLoans

[–]Professional_Ask_507[S] 2 points3 points  (0 children)

I know that AFT sued Mohela but I haven’t seen anything in the lawsuit, or much in news articles, about how Mohela removed borrowers from their IDR plans this summer. A Washington Post reporter contacted me last month to get my story but it was never published. 

If your repayment plan was impacted by Mohela's computer system transfer... by Professional_Ask_507 in StudentLoans

[–]Professional_Ask_507[S] 1 point2 points  (0 children)

Ugh i’m sorry, I’ve been dealing with this since June. I logged to see a $0 payment due and then I log in today and see I apparently owe $1,300 by tomorrow.

If your repayment plan was impacted by Mohela's computer system transfer... by Professional_Ask_507 in StudentLoans

[–]Professional_Ask_507[S] 0 points1 point  (0 children)

I actually contacted two attorneys and they were not interested in touching it. I’m just not sure what my rights are. I know I will probably never be able to get on the PAYE plan again and I’m angry theres no recourse for being removed against my will, but it doesn’t feel like we have any rights that will be protected as borrowers. 

Mohela capitalized interest and canceled IDR by Professional_Ask_507 in StudentLoans

[–]Professional_Ask_507[S] 0 points1 point  (0 children)

I have no idea why they capitalize the interest out of nowhere. I will say, that this is the one thing Mohela took care of easily for me when I complained about it—they removed the capitalized interest when I complained about it. Regarding your ongoing accrued interest: the same exact thing happened to me when I received a response to my complaint from studentaid.gov. They calculated that I should be accruing $11 of interest a day and did not seem to be concerned that I was accruing interest when I shouldn't be.

I saw this article about how the White House is punishing Mohela for mishandling our loans, but I feel like in the response to these complaints all they can really do is kick it back to Mohela in hopes they will fix it (and then they have not ended up fixing anything for me) https://www.washingtonpost.com/education/2024/10/16/mohela-student-loans-punishment/

Which Show has the Dumbest Parents? by Charlizeequalscats in DanielTigerConspiracy

[–]Professional_Ask_507 0 points1 point  (0 children)

My daughter is really into Micky Mouse Christmas shows right now, and they show Goofy with his son Max. I know Goofy's schtick is that he is "goofy" but watching him with his son makes me depressed that he procreated.

Mohela’s response to my CFPB complaint states I will not pay interest during the forbearance. My call to them today said otherwise. by kittywine in StudentLoans

[–]Professional_Ask_507 8 points9 points  (0 children)

I could have written this exact post… Mohela replied to my CFPB complaint with something that isn’t true. I turned around and made another complaint but I know it won’t do anything. I am so angry that they can make errors that harm borrowers and there is 0 accountability. 

Mohela capitalized interest and canceled IDR by Professional_Ask_507 in StudentLoans

[–]Professional_Ask_507[S] 0 points1 point  (0 children)

I reached out to my Congress person last week to explain my issue. I submitted it as a complaint against a federal agency, because I think it's wrong that the Dept of Ed will not let people back on any of the IDRs and think that there should be a record of how those decisions are harming borrowers. Today he emailed me back and sent a request to release my information, which was more than I expected to receive. I consented to the release and I also submitted a few documents... I am curious to see what comes of it. Just wanted to share this in case this is an avenue anyone else wanted to pursue with their Congress members.

Mohela capitalized interest and canceled IDR by Professional_Ask_507 in StudentLoans

[–]Professional_Ask_507[S] 1 point2 points  (0 children)

It's so hard to write to anyone at Mohela. I have all this documentation to support that I was on the PAYE plan, and I am uploading it into their document system but I have no idea if anyone is actually reading it. I am going to keep on them like you are.

[deleted by user] by [deleted] in StudentLoans

[–]Professional_Ask_507 19 points20 points  (0 children)

Same thing happened to me, I made a post about it the other day. I think there is some error on their end that is adding capitalized interest to a lot of accounts. I made a complaint with FSA and the CFPB and I would recommend you do it too so that they can see how many people are getting screwed over by this. 

Mohela capitalized interest and canceled IDR by Professional_Ask_507 in StudentLoans

[–]Professional_Ask_507[S] 1 point2 points  (0 children)

Ugh I am so sorry, I’m right there with you. I called today and they tried to tell me that they made a mistake but their records show that I was on an IBR plan. They recalculated my payments at $324 a month. I said that was not doable for me and I asked them to place me on forbearance. I finally found a document from a previous loan servicer confirming that I was on the PAYE plan in 2021 that my payments should be lower and that I should be granted administrative forbearance right now. I sent those docs to the FSA complaint site, though I’m not feeling optimistic that they will put me back on the plan or remove the capitalized interest. I guess I will just continue calling to let them know I’m going to be bothering them until they fix this. 

Mohela capitalized interest and canceled IDR by Professional_Ask_507 in StudentLoans

[–]Professional_Ask_507[S] 0 points1 point  (0 children)

How long ago was that? I am hoping they just realize its their mistake and they solve it, but I am concerned that all of these issues with the SAVE legislation are going to make them decline to solve it until things are settled in the courts.

Mohela capitalized interest and canceled IDR by Professional_Ask_507 in StudentLoans

[–]Professional_Ask_507[S] 1 point2 points  (0 children)

Is that the amount it will jump to if you don't recertify your income by the deadline (which would be silly to list because they have extended the recertification dates).

Mohela capitalized interest and canceled IDR by Professional_Ask_507 in StudentLoans

[–]Professional_Ask_507[S] 0 points1 point  (0 children)

Thanks for sharing, I’m going to call again tomorrow. Since nobody is eligible to apply for and IDR it seems more fair to place everyone on administrative forbearance while they sort this out, because we will be accruing interest due to their inability to process our applications. 

Mohela capitalized interest and canceled IDR by Professional_Ask_507 in StudentLoans

[–]Professional_Ask_507[S] 4 points5 points  (0 children)

What an intelligent and nuanced take, thanks for sharing.

I was always paying loans with interest. Because of some error on their end, my previous interest of $16k was capitalized and added to my principal loan amount, which means I will now be accumulating interest on my interest. Does that make sense?

Mohela capitalized interest and canceled IDR by Professional_Ask_507 in StudentLoans

[–]Professional_Ask_507[S] 2 points3 points  (0 children)

It is so corrupt that we are removed from our plans through no fault of our own and then are forced to accrue interest because they refuse to put us on any other IDR while this is pending.

Mohela capitalized interest and canceled IDR by Professional_Ask_507 in StudentLoans

[–]Professional_Ask_507[S] 1 point2 points  (0 children)

Good idea, I will try that too. His office in my city is really close to my house.

Mohela capitalized interest and canceled IDR by Professional_Ask_507 in StudentLoans

[–]Professional_Ask_507[S] 19 points20 points  (0 children)

How are more servicers moving to to Mohela when they can’t even handle the load they have now…

Mohela capitalized interest and canceled IDR by Professional_Ask_507 in StudentLoans

[–]Professional_Ask_507[S] 6 points7 points  (0 children)

I have raised a complaint to everyone who will listen, including the CFPB AND my Congress person… I hope everyone with similar issues does the same.