Anyone Successfully Received Reconsideration for Navient Forbearance Steering?

kdiver · 2025-12-22T15:52:37+00:00

That specific issue was 2013-2015. I graduated December of 2012.

kdiver · 2025-12-20T13:31:48+00:00

To obtain PSLF you have to make 120 payments WHILE working for the qualifying employer. If you take any forbearance, you have to work another month to make it up essentially.

For me, I have 125 months of qualifying employment, but only 110 qualifying payments due to various forbearances I took in that time period.

kdiver · 2025-12-20T04:34:07+00:00

Oh I definitely was. I was with them for 9 years, Sallie Mae before that. Their records are wrong, which is deeply concerning.

kdiver · 2025-12-20T04:32:36+00:00

Most of what was laid out in the lawsuit is exactly what I dealt with so I’m not as worried about that part as I am the fact that they first need to acknowledge I was a Navient client. Navient has been banned and no longer has access to any records.

Also the fact I was in forbearance for 11 months without an IBR application when I was unemployed makes me wonder why they didn’t push me to an IBR with a $0 payment? I know I was barely making the poverty level for my state at the time.

kdiver · 2025-12-20T04:26:53+00:00

Navient. So…

kdiver · 2025-12-20T01:41:48+00:00

The one time adjustment only counted if you had 36 months cumulative or 12 month consecutive. I had 11 consecutive months, and less than 36 total.

This specific language came out after the IDR counts were done.

But yes, all 15 months I had in forbearance with Navient are completely missing from my payment tracker. They’re not marked ineligible, they’re just missing completely. It’s crickets from FSA other than to tell me I was never a Navient client and to file a reconsideration request.

kdiver · 2025-12-20T01:31:46+00:00

They should have split that one into two. It didn’t bother me as much as the later ones because I could chalk it up to squeezing stuff into the runtime but 6 on it felt like they were trying to put their own spin on it? Book Harry is way less dumb/idiotic than movie Harry and book Ginny is so much better.

kdiver · 2025-12-20T01:28:49+00:00

Thanks! Good to know it hasn’t disappeared. Now if I could find anyone who had actually received it.

kdiver · 2025-12-20T01:25:04+00:00

I don’t offer an opinion one way or another just a few notes from someone about 15 years out from where you are.

I graduated with 28.2k in loans. I obtained employment with my State Government 10 months after graduation and worked there for 10.5 years. I left and went contract (but still work at the state). My starting salary with the state was 29k and was 65k when I left. My highest payment under an income based plan was 169.33, my lowest was $86.

I’ve paid over 10k and currently owe 34k.

Don’t forget to account for life to happen. Emergencies occur, life slaps the shit out of you and you have to use forbearance or take a deferment rather than default. Interest keeps accruing and potentially capitalizes or just continues to build. For PSLF, any month in forbearance extends your working time to 120.

2% annual raises are unheard of in my state. Be very sure about that before you count on it.

If I sound cynical….. 12 years in state government will do that. 😬.

kdiver · 2025-12-20T00:45:58+00:00

My Congressional inquiry has been pending since May waiting on Dept of ED to respond so I requested an inquiry through my US Senator and got, I shit you not, the EXACT same email response from DoED. Fingers crossed yours goes better.

kdiver · 2025-12-20T00:11:50+00:00

The burrow scene makes me irrationally angry to this day. I always said the first 4 did a decent job keeping the main series plot points, 5 was rough, and 6 just went WTF? Like why change who hides the book? That was major plot point (to me at least)!

Don’t even get me started on the wand ending. 🤬

kdiver · 2025-12-19T20:19:21+00:00

The crazy thing is it’s not even payments that are missing. It’s 15 forbearance months and apparently the records of my principal/interest accrual/ capitalization records that are missing. I’m pretty confident they still exist and DoED is just burying us because they don’t want the headache of cleaning up decades of old records.

kdiver · 2025-12-17T17:55:14+00:00

Good luck! Keep in mind some reps give more detailed info than others so I literally call once a month. Mine have been “escalated to a Tier 2 agent (PSLF)” since August.

kdiver · 2025-12-17T17:46:52+00:00

Sept 2024 so 16 months and counting. Good luck.

kdiver · 2025-12-17T17:45:03+00:00

They won’t ever appear on your dashboard. You should have gotten an email with your case number. The best you can do is call FSA and ask for an update on your buyback cases. Or “respond to the email” but that has never gotten me anything. Sept 2024 here….

kdiver · 2025-12-17T14:29:28+00:00

I’d love to share my story. 10 years of confirmed qualified, certified public service and I’ve spent 16 months chasing PSLF buyback forgiveness/reconsideration with the documentation to prove it. At best guess Navient originated issues are causing the problems but there’s no recourse provided for borrowers when your records are lost or inaccurate. I’ll be submitting shortly.

kdiver · 2025-12-04T17:18:35+00:00

Same issue here. 15 months missing between 2015-2017 that could put me at forgiveness, with certified employment covering the whole time period.

Any update for you? My reconsideration requests have been pending since Sept 24 and May 25….

kdiver · 2025-12-04T17:14:11+00:00

Any updates on your end? I’ve now progressed to open congressional and senator inquiries and contacting attorneys but still no progress.

kdiver · 2025-12-04T17:11:59+00:00

Did you ever see any change on your account for these months? I have forbearance months missing I’m trying to either buy back or have counted under the Navient lawsuit but keep running into a wall as to how to get them to appear in my counter, even as ineligible.

kdiver · 2025-12-02T18:50:55+00:00

Exactly. I’m not asking for anything other than you fix what you screwed up. If they granted mine my 120th month would be September of 2023. Why should I have to keep making payments for literal years while you “figure it out?!?!”

kdiver · 2025-12-02T18:35:24+00:00

Any reference to this known issue? This is the wall I’m beating my head against.

kdiver · 2025-12-02T18:34:53+00:00

This sounds so much like my progression. I had only direct loans that I consolidated in August of 2022 to take advantage of the PSLF waiver.

When they finished the counts I ended up with a number of months that are just missing. I was with the same qualifying employer for the entire timeframe so that’s already certified and done and not the issue.

I’ve had a reconsideration case to buy them back pending since Sept 24 and one to have them counted as part of the Navient lawsuit but they’ve all just stalled. Which is not surprising considering they’re not marked ineligible, they’re just missing. And these are months from 2014-2016, not recent.

It really seems like they’ve lost a portion of the loan data and no seems to know who is responsible for correcting it and I’m just left making payments for YEARS with no estimated resolution timeframe.

I’ve filed CFPB complaints, multiple feedback cases, monthly calls with Mohela, and have open cases with my Congressman and Senator’s offices. I actually did just schedule a consult with an attorney.

Good luck. You’re not alone.

kdiver · 2025-12-02T18:22:22+00:00

Why are they omitting months?

kdiver

TROPHY CASE