MOHELA

lol remember when we thought wed have these loans paid off by now? 🤡 forbearance is my middle name at this point

Has anyone looked into income-driven repayment plans instead of forbearance? Might be worth considering as an alternative.

Not to be that guy, but have you tried turning it off and on again? 😂 Jk jk, but seriously, sometimes logging out and back into your online banking can refresh things if there's a glitch.

Oof, dealing with declined cards AND student loans? Sounds like you struck out twice. Hang in there, champ. This too shall pass... eventually. Maybe. Hopefully. 🙃

Hey, has anyone tried those loan forgiveness programs? I heard theres some new ones but idk if there legit or just another scam

Protip: Set up autopay if you can. Most servicers give a .25% interest rate reduction for autopay. It's not much, but every little bit helps!

Anyone else feel like they're drowning in debt? I've been paying for 5 years and somehow owe MORE than when I started. This is insane.

PSA: Don't forget to update your contact info with MOHELA if you've moved or changed phone numbers recently. They've been known to send important stuff by mail, and you don't want to miss any crucial updates!

Have you considered reaching out to your school's financial aid office? They might be able to provide documentation about which loans were for your nursing program specifically.

lol welcome to the wonderful world of student loans where nothing makes sense and the rules change every 5 minutes 🤡

Have you tried reaching out to MOHELA on social media? Sometimes they're more responsive there. Worth a shot!

Oof, MOHELA and their payment shenanigans. Classic. 🙄 Hang in there, OP. You're definitely not alone in this struggle.

Not to freak you out, but you might wanna check if there was any fraud on your account. I've heard stories of people's payments getting redirected. Might be worth giving your bank a call too, just to be safe.

bump for visibility. good luck OP!

Pro tip: if you call MOHELA exactly 3 minutes after they open, you have a better chance of getting through quickly. Worked for me twice!

Has anyone else noticed that MOHELA's website is always "under maintenance" when you actually need to use it? 🙄

I found a method to get someone on the phone. I used this site's (claimyr.com) calling tool that dials the phone menu, stays on hold, waits for a live agent to pick up, then sends the call to my phone. It does cost $20, but it works. Here's a video about it: https://youtu.be/kfgsWnbb8cU

Here's what you need to do: 1. Document everything. Keep a record of all your attempts to pay, screenshots of errors, and copies of the missed payment notifications. 2. Call customer service (use that Claimyr thing if you don't want to wait on hold forever). 3. When you get someone, explain the situation calmly and ask them to verify your SSN in their system. 4. If they can't help, ask to speak to a supervisor or the technical support team. 5. Request that they put a hold on any late fees or negative credit reporting while they investigate the issue. 6. Get everything in writing. Ask for a confirmation number for your call and follow up with an email summarizing what was discussed. 7. If all else fails, file a complaint with the Consumer Financial Protection Bureau. They can often light a fire under these companies. Don't give up! You're doing the right thing by trying to stay on top of your payments. Good luck!