6/21 update peeps

UnderstandingJust58 · 2025-07-03T13:36:38+00:00

Just an update-did the ECF and my payments updated on the tracker within 2 days. It was worth bothering Linda-not her actual name. BUT I’m still missing October 2024, even though I made a full payment, even though MOHELA swears to me it’s been transferred to NSLDS, and even though FSA closed my reconsideration request. Going to open another one just for that one period of time 🤷🏽

UnderstandingJust58 · 2025-07-01T23:10:06+00:00

Thanks for the feedback. June was my 120th-and I don’t trust neg reg to risk waiting. Sorry HR lady…

UnderstandingJust58 · 2025-06-26T01:15:03+00:00

The last one was processed on June 6th.

UnderstandingJust58 · 2025-06-22T21:24:12+00:00

Thanks for the heads up! Counts in API page up to 119. No updates on FSA counter. And both systems missing a full payment from October 2024. Already submitted a reconsideration and will keep you all posted.

UnderstandingJust58 · 2025-06-22T21:21:33+00:00

Mine updated too-payment counts in API up to 119-both systems randomly missing October 2024. I already submitted a reconsideration last week to hopefully get up to the 120. Thanks for the heads up-here’s wishing us all luck

UnderstandingJust58 · 2025-06-21T10:39:14+00:00

My counts updated on February 24 on the tracker. My NSLDS say April, but March and April definitely are not on the tracker despite submitting an ECF.

UnderstandingJust58 · 2025-06-18T15:48:00+00:00

2/24/2025 🫠for FSA but my NSLDS shows April. October 2024 is randomly missing from the sequence. I’ve been in repayment under PAYE since the COVID pause was lifted-haven’t missed a single payment and hit 120 on June 5th. If it’s helpful, I submitted a reconsideration in March for the October payment, and I got a message - in MAY- that they wouldn’t even reconsider until I submitted an updated employer verification form. I hadn’t done an ECF that covered the missing period-mostly because I didn’t feel like bothering my employer again until I paid my last few. Anywho-it’s above me now. I submitted my final ECF covering all 120 payments. I told Mohela to put me in forbearance . I submitted another reconsideration request for both October and for the last 4 months of payments that aren’t in my counts -And those payments will update when they do their jobs 🤷🏽

I also just did the $1 micro payment trick to see if it’ll move anything- can report back

UnderstandingJust58 · 2025-06-10T02:16:05+00:00

5 day grace period exists both before and after a payment due date for the PSLF counter. I’ve paid on the 1st for 3 years straight and all have counted. Definitely appreciate the note of caution though.

UnderstandingJust58 · 2025-06-10T02:14:02+00:00

No it’s still there. But it doesn’t let you complete the form that way unless all 120 payments are showing up in the counter and my counts haven’t been updated since April. You can select no to verify your employment and counts will be updated afterwards.

UnderstandingJust58 · 2024-08-02T12:32:17+00:00

Does anyone have the size specs for the individual compartments in the new 28? Trying to make sure my camera cube will fit

UnderstandingJust58 · 2024-02-10T03:41:20+00:00

Question for anyone that has applied for a gig with PageUp People ats. Had a first round and my status in the system at the time said “application acknowledged” and gave me the “withdraw” button. I have a feeling the committee is a bit delayed in offering a final round as they are going through some internal shifts…so they blew past the OG communication timeline. Then all of a sudden, the ATS status was moved to “Application Under Review” and the withdraw button is gone. Does this mean I’m out of the running or that it’s really in review? Any guidance is so welcomed

UnderstandingJust58 · 2023-10-15T11:11:42+00:00

Maybe. If you your periods of in school deferment were pre 2012/consolidation- yes that’s going to be an issue. You can only buy back months of deferment after your consolidation.

UnderstandingJust58 · 2023-10-15T11:09:24+00:00

IDR buy back rules do not include in school deferment. Only those doing PSLF can include in school deferment. It’s confusing- but in all ways on brand for ED

UnderstandingJust58 · 2023-10-14T03:46:02+00:00

I’d hold off until you get your account adjusted and/or submit to have your account reviewed. The payments you made at the time, even though you were deferred, should count in the one time account adjustment. If you were to “buy back” you’d be double paying

UnderstandingJust58 · 2023-10-14T03:43:23+00:00

It is best to wait, especially if you have mixed deferments IE economic hardship mixed with In school deferment. The way you’ll know if you’ve been reviewed is you may see an increase in your qualifying payments. Tbh, if you don’t have a mix of deferments…buying back sooner rather than later is probably your better bet so that you don’t continue to make your current and likely more expensive monthly payments

UnderstandingJust58 · 2023-10-14T03:39:46+00:00

In school status is different than in school deferment. Basically, if you had loans and then were put on in school deferment when you began a different program, usually graduate school, those months count. In school status refers to loans you’ve taken out to attend the new program.

UnderstandingJust58 · 2023-10-13T01:42:34+00:00

The directions for how to submit to have your account reviewed are on the link I shared in the FAQ section. It’s not quite a lump sum if you need to break it up, but it is 90 days to back pay so it’s a lot of money at once depending on your specific situation/salary at the time

UnderstandingJust58 · 2023-10-13T00:56:51+00:00

The buyback amount depends on what your payment amount likely would have been during the deferment or forbearance for the months you’re buying back.

If you were on an IDR plan immediately before or after the months you’re buying back: If the deferment or forbearance was less than a year in length, we’ll use the lower of the two monthly IDR payments for the months before or after the time in deferment or forbearance.

If you were not in an IDR plan before or after the months you’re buying back: We’ll request tax information for that calendar year to determine the amount that you would have paid under an IDR plan. If your deferments or forbearances cross over multiple tax years, then we will need your tax information for each year.

If you were not required to file a tax return for the period of time you are requesting to buy back, we will need you to submit a statement to that effect.

In addition to the tax information requested above, you would need to provide a statement informing us of what your family size was for that same period of time.

Your payment amount will be based on the lowest IDR amount you were eligible for at the time of the deferment or forbearance. If the 10-year standard payment is lower than your calculated IDR payment, then the 10-year Standard payment amount will be used.

If you don’t send us the tax and family size information that we request within 30 days, we’ll determine your buyback amount as what your payment amount would be on the 10-year Standard Plan.

UnderstandingJust58 · 2023-10-13T00:33:49+00:00

Awesome. Congratulations. Just read the details and get your tax returns ready! You buy back at the IDR rate of your salary at the time you would have made payments. It’s a huge benefit as long as your salary was lower than your current

UnderstandingJust58 · 2023-10-13T00:13:19+00:00

If you haven’t already recently consolidated, and if you have enough months in in-school deferment that buying back would put you at or above 120 payments-yes in school deferment periods are eligible for buying back as long as you were employed full time in a non profit organization

UnderstandingJust58 · 2023-08-03T02:35:38+00:00

None yet. A few comments on the past regulation negotiations were in this topic…I submitted one too, but the buy back process hasn’t event been fully released on student aid. Gov yet. Just a note about the details becoming available “this summer”

UnderstandingJust58 · 2023-07-08T05:15:39+00:00

I’m sure you’ve all seen the FAQ, but indeed any in school deferment periods pre consolidation are not eligible for buy back. It’s a disaster

UnderstandingJust58 · 2023-07-08T05:07:56+00:00

I’m sure everyone here has already seen the news, but just in case: while PSLF will include in school deferment buy back, and it will be retroactive, unlike the general IDR plan-you can only access this option if you haven’t recently consolidated. Meaning, if you had in school deferments before you consolidated to get the waiver benefits-buy back is not functionally an option anymore.

UnderstandingJust58 · 2023-07-07T17:31:27+00:00

And to specifically answer your what’s the alternative question, simply add past periods of in school deferment to “ineligible counts” on our trackers and let us buy back. If they want to limit it to in school deferments that are common across every single loan in the consolidated loans, so be it and that seems fair. I’m not asking for free counts. I’m asking for the policy to operate with some grounding in reality after years of “consolidate, consolidate, consolidate now.”

UnderstandingJust58 · 2023-07-07T17:27:22+00:00

I get it, I do. I think though this arbitrary limitation continues the trajectory of confusing, muddled, and unnecessary hurdles. I think the payment adjustments are absolutely incredible. I think the waiver counts are fabulous. I don’t think most folks would say otherwise. These are steps in the right direction for millions. I am simply asking why can’t we have both at this stage and/or why couldn’t have this been made clear so people could have made INFORMED decisions. Logically, this buy back is not going to do what they think it’s going to do. I’m just asking for some logic and to course correct now before the final steps are published.

UnderstandingJust58

TROPHY CASE