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have u tried threatening legal action? sometimes that gets their attention real quick
Be careful with this approach. It might work, but it could also backfire and make them less willing to work with you.
15d
I feel your pain, OP. The whole system is broken. We shouldn't have to jump through so many hoops just to get basic customer service. It's exhausting.
Plot twist: what if we all just stopped paying and organized a mass protest? ๐ค Jk jk... unless? ๐
Lol, don't tempt me! But fr, that would probably just mess up our credit scores and forgiveness chances. We're stuck playing by their rules ๐ฉ
17d
Hey OP, have you checked if your employer is still eligible for PSLF? They changed some rules recently and some ppl got screwed over.
Oh geez, I hadn't even thought of that. I'll double-check, thanks for the heads up!
15d
Hey OP, what exactly is the issue with your payment count? I might be able to help if it's similar to what I went through.
They're not counting some of my payments from when I was with a different servicer. I have proof I made the payments, but MOHELA says they don't show up in their system.
13d
Ah, classic. You need to request a payment history from your old servicer and submit it to MOHELA. Also, check if you qualify for the one-time payment count adjustment under the PSLF waiver. That might solve your problem automatically.
11d
unpopular opinion: maybe if we all stopped paying theyd actually fix their broken system ๐คทโโ๏ธ
Yeah, no. That's a great way to tank your credit score and end up in collections. Don't do this.
13d
it was mostly a joke lol but fr something needs to change
11d
lol remember when we thought wed have these loans paid off by now? ๐คก 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.
I switched to an IDR plan last year and it's been way more manageable for me. Definitely worth looking into!
1M
IDR was a game-changer for me too. Lower payments and possible forgiveness down the road. ๐
1M
Not to be that guy, but have you tried turning it off and on again? ๐ Jk jk, but seriously, sometimes logging out and back into your online banking can refresh things if there's a glitch.
Lol, if only it were that simple! But hey, worth a shot I guess. Can't hurt to try ๐
3M
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. ๐
Hey, has anyone tried those loan forgiveness programs? I heard theres some new ones but idk if there legit or just another scam
Be careful! Lots of scams out there. Only trust info from studentaid.gov or your actual loan servicer.
4M
I applied for PSLF last year. It's legit but the process is a PITA. Took forever but finally got some loans forgiven. Worth looking into if you work in public service.
4M
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.
Same here. It's like bailing out a sinking ship with a teaspoon. The whole system needs an overhaul.
3M
Have you looked into income-driven repayment plans? They can lower your monthly payments based on your income. Might be worth checking out!
3M
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.
That's a great idea! I hadn't thought of that. I'll give them a call tomorrow.
4M
lol welcome to the wonderful world of student loans where nothing makes sense and the rules change every 5 minutes ๐คก
ain't that the truth ๐๐ญ
4M
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. ๐ Hang in there, OP. You're definitely not alone in this struggle.
Carmen Diaz
lol good luck. MOHELA is where dreams go to die and hold music plays for eternity ๐
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Andre Laurent
MOHELA's hold music haunts my nightmares fr ๐
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8d
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AstroAce
Have you checked if theres a way to stop payments online? Sometimes its easier to do stuff through their website than actually talking to a human
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Sean O'Donnell
I tried, but the website is so confusing. I couldn't find the option anywhere. ๐
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7d
AstroAce
Aw man, that sucks. Their website is like a maze designed by a drunk person ๐คฆโโ๏ธ
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4d
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