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Have you checked if your old FedLoan account is still accessible? Sometimes you can still log in and view old statements even after the transfer. Might be worth a shot!
Friendly reminder to everyone dealing with MOHELA: DOCUMENT EVERYTHING. Every call, every letter, every email. It's saved my butt more than once when they've messed up my account. Stay vigilant out there, folks! 💪
lol welcome to the wonderful world of student loans where nothing makes sense and the rules change every 5 minutes 🤡
Another thing that might help - when you call MOHELA, ask specifically for a "loan detail report" or "disbursement history." This should show the original loan amounts and what they were disbursed for (including nursing program costs). I had to get this same info for a similar situation and that's the exact language they understood. Also, don't let them tell you they can't provide it - they absolutely can, you just might need to ask for a supervisor. The whole auto-payment cancellation thing is super frustrating, but if you explain it was for a legitimate deferment enrollment, they should be able to work with you on the delinquency. Document every call with date, time, and rep name!
Has anyone heard about the new forgiveness programs? I heard Biden was working on something but idk the details
Just wanted to add - if you're calling MOHELA specifically, they tend to be pretty responsive during mid-morning hours (around 10-11 AM). Also, don't be afraid to ask them to repeat or clarify anything you don't understand. I made the mistake once of just saying "yes" when I didn't fully get what they were explaining, and it caused issues later. Take your time and make sure you understand everything before agreeing to any changes to your payment plan!
Hey OP, have you checked if your employer is still eligible for PSLF? They changed some rules recently and some ppl got screwed over.
I've been in the same boat with MOHELA for months now! What finally worked for me was escalating through multiple channels at once. I filed a complaint with the Department of Education's Federal Student Aid office AND submitted a complaint to the Consumer Financial Protection Bureau (CFPB) on the same day. Within 2 weeks, I got a call from a MOHELA supervisor who actually had the authority to fix my payment count issues. Don't just rely on one approach - hit them from multiple angles! Also, make sure you have all your payment records and employment certification forms ready when you do talk to someone. Good luck! 🤞
This is super helpful advice! I'm dealing with similar issues right now and getting nowhere with regular customer service. Did you notice any difference in how they handled your case once the CFPB complaint was filed? I'm wondering if I should go that route too since I've been stuck in this cycle for weeks now.
Anthony Young
I feel your pain! MOHELA's phone system is absolutely terrible. Here's what finally worked for me: try calling the forbearance/deferment line instead of the main customer service number. The wait times are usually shorter and they can often help with payment issues too. The number is on their website under "Contact Us" - look for the specific forbearance option. Also, if you're trying to stop payments temporarily, you might want to look into economic hardship deferment or forbearance options which you can sometimes apply for online. Good luck!
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James Martinez
•This is such a helpful tip! I never thought to try a different department line. Sometimes the specialized lines have way less volume than the main customer service number. Thanks for sharing the forbearance line suggestion - definitely going to try this next time I need to reach them!
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Sofia Price
•@Anthony Young This is brilliant advice! I had no idea there were different department lines. I ve'been banging my head against the wall trying to get through the main line. Definitely going to try the forbearance line - even if they can t'help directly, maybe they can transfer me internally without losing the call. You might have just saved my sanity! 🙏
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Xan Dae
I've been dealing with MOHELA for over a year now and here's what I've learned: their phone system is intentionally broken to discourage calls. What worked for me was writing a formal letter and sending it certified mail to their headquarters. Include your account number, explain exactly what you need (payment stop), and request written confirmation. They have to respond to certified mail within a reasonable timeframe, and you have proof they received it. Also keep trying the online account portal - sometimes options that aren't visible on mobile show up on desktop. Don't give up! Document every attempt you make to contact them in case you need it later.
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