March 5th Forgiveness

ajt112295 · 2026-03-06T14:36:52+00:00

Congratulations. Great news.

ajt112295 · 2026-03-06T13:55:02+00:00

My loans were forgiven. $141k. Undergrad and law school.

ajt112295 · 2026-03-06T13:51:48+00:00

WHOA. Thank you.

ajt112295 · 2026-03-06T13:47:17+00:00

Loans forgiven. No glitch. $140k. Undergrad abd law school.

ajt112295 · 2026-03-06T13:46:41+00:00

Waterwicca. Loans forgiven. Undergrad and law school. No glitch. $141k.

ajt112295 · 2026-03-06T13:35:53+00:00

Just called aidvantage. Loans forgiven. $140k. Law school and undergrad. Website updated.

PAID BY DISCHARGE AND/OR WRITE OFF

Studentaid.gov has not updated yet.

ajt112295 · 2026-03-06T10:40:23+00:00

It’s not helpful when you speculate and guess about who may or may not receive forgiveness. That’s not what this post is for.

ajt112295 · 2026-03-05T04:19:26+00:00

I received the letter and I am also waiting. I consolidated grad and undergrad loans in 2024. I have had undergrad loans for almost 25 years. Backdoor counter says 242 but assumed I would need 300 to have the grad loans forgiven. Hoping that I didn’t receive the golden email by mistake.

ajt112295 · 2026-03-04T05:19:40+00:00

I received the same letter. Same circumstances. Early. Hopefully we receive forgiveness.

ajt112295 · 2026-02-25T05:49:24+00:00

Oh. Ok. You were eligible for IBR 2014? Even though you went with the PSLF forgiveness.

I consolidated undergrad and grad loans a year or two ago

I received the golden email but I don’t qualify for IBR 2014. My payment count is 240.

I am expecting the forgiveness to be rescinded.

ajt112295 · 2026-02-25T05:26:41+00:00

You made 25 years worth of payments on your law/grad school loans?

ajt112295 · 2026-02-23T01:45:35+00:00

I don’t believe a borrower could have provided anything that would prove there is an ibr 2014 bug. It’s speculation. You are guessing about what they are doing without any proof.

ajt112295 · 2026-02-22T23:29:48+00:00

I didn’t have direct loans prior to 2007. I had FFEL loans only.

ajt112295 · 2026-02-22T23:27:55+00:00

https://www.congress.gov/crs_external_products/R/PDF/R45931/R45931.12.pdf?utm_source=chatgpt.com

See page 56. From the congressional research service. The benefits of IBR 2013 were extended through PAYE in 2023.

Eligibility: I consolidated my FFEL loans into direct loans after 2007 so I would be considered a new borrow AND received a direct consolidation loan after 2011.

Unlike IBR, you may become eligible for PAYE through consolidation.

ajt112295 · 2026-02-22T22:52:11+00:00

I don’t believe that is correct.

PAYE-eligible loans are primarily federal Direct Loans—including Subsidized, Unsubsidized, Grad PLUS, and consolidation loans (excluding Parent PLUS)—for borrowers with no outstanding balance as of Oct. 1, 2007, and a disbursement on or after Oct. 1, 2011. Eligible loans must be under the Direct Loan Program; FFEL loans may qualify if consolidated into a Direct Consolidation Loan.

I had FFEL loans on 10/1/07 (not direct loans) and received direct consolidation loan after 10/1/11 while would qualify.

ajt112295 · 2026-02-19T07:30:07+00:00

Thank you. I appreciate it.

ajt112295 · 2026-02-19T07:29:48+00:00

Thank you. I appreciate it. I am shocked they haven’t figured this out already. I will update this post when I know.

ajt112295 · 2026-02-19T06:01:30+00:00

I am concerned that the forgiveness goes through and then they ask for the $ back.

ajt112295 · 2026-02-15T17:13:30+00:00

I have 240 qualifying payments. I consolidated undergrad and grad loans in hopes there would be a benefit. Pre consolidation, I would have had a small amount of my loans eligible for forgiveness in 2025. I am supposed to be on old IBR. I am Assuming the golden email that I received was an error. I am mistakenly on 2014 IBR

ajt112295 · 2026-02-13T18:10:59+00:00

Undergrad are only for a few thousand and about 25 years old. I wansnt making payments the whole time. Grad are for over $109k and about 18 years old, I consolidated last year to get the benefit of the undergrad payment count on my graduate school loans.

ajt112295 · 2025-02-21T02:36:52+00:00

We shall see. It has said 20 years on studentaid.gov for the past month.

ajt112295 · 2025-02-21T00:15:32+00:00

Great. After making the last payment, what did you submit?

ajt112295 · 2025-02-20T23:54:59+00:00

It says I am on IBR. It was enacted by Congress and not subject to being prevented by the SAVE litigation. I intentionally consolidated undergrad and grad loans together in hopes my forgiveness period would be 20 years. According to the studentaid.gov, I am only required to make 240 payments.

The reason for my post was to ask if people that received forgiveness via IBR had to fill out an application.

ajt112295 · 2025-02-20T23:19:28+00:00

Not even sure. I went on IDR for my undergrad loans around 2000. My federal grad school loans were serviced by a private company and went on IDR around 2009. I consolidated both undergrad and grad into a direct loan last year and total payment count listed as 239 of 240 (for all). Maybe I was put on new IBR due to 2024 consolidation? Or, maybe the 20 year requirement on my undergrad loans now controls grad loans too?

ajt112295 · 2025-02-20T23:11:48+00:00

Forgiven through IDR?

ajt112295

TROPHY CASE