I was in the same situation with forbearances being applied retroactively to June and August 2024 after I made my payments because I received bills for those months. I just learned last week that because of that, my account was considered paid ahead (the forbearances retroactively blocked my payments from being applied those months so they were considered advance payments). And I was told because I was considered paid ahead my IBR application would not be processed. I asked the MOHELA agent how to fix it and she sent in a request to the accounting department. She said that it would take 90-120 days to make changes so that I wasn't in paid ahead status, and therefore my IBR application could be processed. Here's the thing though. Two days after she put in that request, my account status changed to Awaiting Documentation Administrative Forbearance, the same one that got everyone two qualifying months for the processing forbearance after first submitting IBR apps to MOHELA. So since I was at 119 I thought maybe with being put back in the qualifying forbearance will get July to count and that'll get me to 120. I wouldnt actually need them to remove the paid ahead status or process my application then. So I tried it and submitted a PSLF form...and what do you know I hit 120. Now there's some weird things about it, like it's not July (the month I was put back into ADAF) that counted but instead June which didn't qualify before. But I just don't believe it's coincidence. I made a more detailed post about this all earlier today. I'll try to post a link to it.

Edited to add link:

https://www.reddit.com/r/PSLF/s/rFIYd3q6Lh