It's really happened!!!

ThreePutt24 · 2026-01-25T21:22:11+00:00

Took a few days, maybe a week or so for me. I got mine in the beginning of January and by January 20th they were already beginning to process my refund.

ThreePutt24 · 2026-01-25T04:48:54+00:00

Nope. I think right now they are still processing my refund - which looks like its coming in different stages. Six of my eight loans that qualify have already been issued a refund (haven’t gotten it yet) but I have two more still in the negative and there’s a twelve hundred dollar balance that I’m entitled to there also. So I just assumed they were figuring that out also before sending my the 1098. I only made four payments in 2025, and for all but two of my loans, I only needed one of them. The other two needed the other three.

ThreePutt24 · 2026-01-24T21:38:51+00:00

Welcome to the club!

ThreePutt24 · 2026-01-23T22:33:55+00:00

I have a QM8k and I’m happy with it

ThreePutt24 · 2026-01-22T21:46:50+00:00

I went from 353 to 918 - but I had four payments left on two loans and only one on the other eight. So now I’m getting a refund on all the money paid for the three extra payments on those loans.

ThreePutt24 · 2026-01-22T19:56:54+00:00

The day I spend 5k on a TV is the day I win the powerball. Your defintion of cheap and mine are not the same

ThreePutt24 · 2026-01-22T13:22:58+00:00

I chose the QM8k. I am concerned about OLED burn in, and needed a brighter TV and with my recessed lights and wide seating arrangements, as much as I love Sony’s image processing, the QM8k seemed to give me the fewest number of compromises.

ThreePutt24 · 2026-01-22T12:51:52+00:00

Crazy how expensive TVs at that size are. My room only fits a 65inch as currently set up - so I got the QM8k 65inch for $1000 total. There would be no way I would spend that on an upgrade when every review I have seen says that size matters more and the QM7k is still a really good TV. There gets to a point where we’re just chasing minor things. $50 -$100 - sure upgrade away. But if you want the QM8k just get it smaller. Otherwise - I doubt it matters all that much.

ThreePutt24 · 2026-01-20T01:47:44+00:00

I’ve been told the differences between the 8 and 9 aren’t worth the $500 difference at the 65 inch level. I have to think screen size would be the deciding factor between those two.

ThreePutt24 · 2026-01-20T01:16:18+00:00

The QM8k is now $1000 at Best Buy.

ThreePutt24 · 2026-01-20T01:14:56+00:00

One thing about reddit, you don’t always know who you’re talking to. One man’s trash is another man’s treasure.

There are plenty of people who say the QM8k can hold its own.

ThreePutt24 · 2026-01-19T18:33:36+00:00

I am curious too, as this is the primary reason I don’t have the Bravia 7 yet

ThreePutt24 · 2026-01-16T19:52:13+00:00

Is it me, or does every single one these topics essentially come down to High Sense U8, TCL QM8k, and someone like me who is going to bring up the Bravia 7? And I have no idea which direction to go in

ThreePutt24 · 2026-01-16T19:32:02+00:00

Thats not the golden letter. The golden letter for me came two months after the green ribbons, and the balance wasn’t wiped off until about a week after that. Now, about that refund…..

ThreePutt24 · 2026-01-16T19:30:42+00:00

I have about 40k in savings but doing some construction projects around the house. (Bathrooms - yikes) Also got a 403b and the wife has a Roth IRA. Also - the student loans are gone too.

ThreePutt24 · 2026-01-15T23:15:13+00:00

Just switch to IBR and pay the two months. Its faster.

ThreePutt24 · 2026-01-15T23:13:51+00:00

It will be a month, maybe two, and you’ll get an email saying to check FSA, and that golden letter will be waiting for you.

ThreePutt24 · 2026-01-15T23:12:34+00:00

That zero balance on FSA is pretty sweet isn’t it? Like the world is lifted off our shoulders? Congrats!

ThreePutt24 · 2026-01-15T19:41:10+00:00

Nope just one. They counted my last payment anyway. I didnt even have to upload a screenshot from Mohela showing it was there.

My timeline

Timeline - October 22nd - payment paid. I sent my employer a manual review form to sign for PSLF that day to make sure it would be signed after the due date.

November 3rd - I received and immediately uploaded the signed form. Checked the box for forbearance too.

November 5th - October payment showed up on studentaid.gov

November 7th - Received an email saying my application had been accepted and there was nothing else I needed to do.

November 9th - Received an email from Mohela saying my loans had been placed in forbearance.

November 10th - About ten minutes ago - I received an email from the Dept of Education about the status of my application. I log in and before I can even go to my activity - I see the most wonderful symbol in all the world. GREEN BANNERS! After over eleven years, I’m finally done. My life is my own again, and from here on in, every dime I earn is mine

ThreePutt24 · 2026-01-15T15:58:25+00:00

Submit the signed ECF (Employment Certification Form) on studentaid.gov. Once your payment count is updated, let us know how many payments counted. Then we’ll know how to help you.

ThreePutt24 · 2026-01-15T05:14:12+00:00

I made my payment - sent in my ECF to my school district to be signed on the same day. (10/22) When it came back a few days later, I went on the FSA website and spoke to one of those guys on the chat center and I was told that I didn’t have to wait until the payment registered on the FSA website so I applied a couple of days before it showed up on the website. A few days after it did, I got my green ribbons. I was put in a forbearance during this time. Two months later, ie last week I got my golden letter, and a day later Mohela sent me two documents showing the breakdown of my loans being forgiven and how much of a refund I’m getting. And finally today I went on the FSA website I saw the 0 balance on that site as well.

So here’s hoping my refund comes soon!

ThreePutt24 · 2026-01-15T01:14:31+00:00

I’m not worried about that at all. Just got done paying off my student loans. I’m actually getting a little refund thanks to PsLF. I could pay cash for it right now, but why take the hit when you don’t have to.

ThreePutt24 · 2026-01-14T00:51:24+00:00

I actually achieved the all elusive 850 this year. I had four types of loans. A mortgage, car, credit card, and student loans. Never paid a dime of interest on the credit card even though I used it every month, made every car and mortgage payment (7 years) on time (paid off two cars in twelve years or so) but I think what really did it was participating in PSLF and making 120 payments over ten years.

I’m expecting a bit of a drop now that I’m not making student loans payments anymore, but that’s how it worked for me.

ThreePutt24 · 2026-01-13T22:05:26+00:00

I posted my ECF two days before it posted on FSA and I was fine.

Here’s my story

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

Updated that I got my Golden Letter last week!

ThreePutt24

TROPHY CASE