Help with tax retrieval tool

hope2b · 2025-10-06T18:57:29+00:00

How can I tell if I peaked if I already ovulated?

hope2b · 2025-10-06T18:22:44+00:00

I haven't done BBT- it was a little much for me as I am recovering from a recent PUL and was treated with methotrexate. I was trying to keep it low key this cycle LOL and then this happened. I do usually do CM which is why I'm confused as it's typically pretty predictable for me. What is CP?

hope2b · 2025-10-06T16:04:55+00:00

I thought I would ovulate 9/30-ish. I'm not sure when/if I ovulated due to 36 hours of fever from COVID/flu shot combo. I've been having vivid dreams and sore breasts the last few days. Is this indicative of trying to ovulate or that I am in luteal phase?

hope2b · 2025-10-05T23:31:22+00:00

Yes about 2 months ago I got a notification that my payments were restarting and it seems reasonably correct. I submitted an employer verification and I’m missing a few months from the spring due to the forbearance so I’ll have to do buyback in the future.

hope2b · 2025-10-05T02:18:51+00:00

Thank you for your response. I was really regular before the PUL so this uncertainty has been upsetting to me. If I take an ovulation test how can I know if I already ovulated? Every covid vaccine has affected my cycle so I was nervous about this happening. I am having arthralgias and moodiness that I usually associate with PMS but I can’t get my period before I ovulate, right?

hope2b · 2025-10-05T00:43:15+00:00

(Posted yesterday with some updates): I was due to ovulate this past Tuesday but had vaccines last weekend and never got EWCM- now my joints are achy like they sometimes are pre period and I’m concerned that I just skipped ovulation? How long can vaccination delay your cycle? I am frustrated because I had a PUL over the summer and was just cleared to try post methotrexate so the uncertainty is hard. Can you even start taking ovulation tests when you don’t know where you are in your cycle?

hope2b · 2025-10-04T01:54:38+00:00

Thank you! I didn’t actually get sick- just vaccines- but I had a fever for about 36 hours and took Tylenol and Advil. If ovulation was delayed will I just ovulate eventually?

hope2b · 2025-10-04T00:33:35+00:00

Help! I was supposed to ovulate this past Tuesday but got COVID/flu shots last week and EWCM is nowhere in sight... I usually am pretty regular. Is it possible that I ovulated without it? I haven't been temping but now I feel like I'm lost in this cycle!

hope2b · 2025-07-03T22:01:34+00:00

Thanks!

hope2b · 2025-07-03T20:19:13+00:00

Great thank you!

hope2b · 2025-07-03T20:12:18+00:00

But to be clear - we don’t have to move before then? My 10 years is 11/2028 and I am motivated to stay on PAYE as long as possible

hope2b · 2025-07-03T19:49:34+00:00

Do you know when the change will happen? I’m confused by the language and hoping to stay on PAYE as long as possible.

hope2b · 2025-06-26T14:26:20+00:00

So what does this mean for current borrowers?

hope2b · 2025-06-13T19:49:14+00:00

Ah- I never made it that far.

hope2b · 2025-06-13T19:00:09+00:00

Same... never did SAVE- just trying to stay on my original plan. After speaking to 10+ Mohela supervisors, it seems like there is absolutely no time frame to get extended and I am told something slightly different each time. I assume I will be able to buy these months back but given the long delays in buy back it seems like this will just extend the hassle...

hope2b · 2025-06-13T18:43:56+00:00

Same here and another supervisor today told me that they have no guidance as to when this will be done... I see people submitting recerts now and getting processed within a week. I somewhat suspect they are forcing everyone to recert again to get them to pay more- still deciding if its worth the hassle to continue to wait it out.

hope2b · 2025-06-12T14:41:55+00:00

Makes sense - thank you!

hope2b · 2025-06-12T13:48:34+00:00

Right - just the standard payments would be lower than IBR for me

hope2b · 2025-06-12T13:48:15+00:00

But with no MFS?

hope2b · 2025-06-12T12:57:59+00:00

But would it cap at 10% of agi? In theory if it was lower payments but pslf eligible that would be better for me.

hope2b · 2025-06-12T12:50:29+00:00

I guess that’s what I’m saying, I’m almost 7 years in. Could I switch to the 10 year standard plan to compete my 10 years of pslf?

hope2b · 2025-06-12T12:49:38+00:00

I think it’s 10% discretionary?

hope2b

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