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I went through something similar last year! When my IDR recertification got stuck in limbo, I had to be super persistent. Here's what worked for me: 1. Call first thing in the morning (like 8 AM sharp) - shorter wait times 2. Ask to speak to a supervisor immediately if the first rep can't help 3. Use the exact phrase "administrative forbearance due to servicer error" 4. Document EVERYTHING - dates, times, rep names, reference numbers The key is being polite but firm about how their mistake is causing you financial hardship. Don't let them brush you off! I had to call 3 times before someone actually fixed it, but once they did, they backdated the forbearance to cover the whole mess. Also, make sure to get confirmation in writing (email or letter) once they process it. Good luck! 🍀
Has anyone else noticed that MOHELA's website is always "under maintenance" when you actually need to use it? 🙄
I'm going through the exact same thing right now! Applied for SAVE about 3 weeks ago, FSA shows it's processed, but radio silence from MOHELA. It's so frustrating because you don't know if there's an issue or if they're just slow. I've been checking my account daily like a crazy person 😅 From reading through these comments, it seems like calling them might be the way to go, even though the wait times sound brutal. Let me know if you hear anything - maybe we can compare notes!
Same here! I'm also checking my account obsessively hoping something will change 😭 The waiting game is the worst part because you never know if you should be worried or just patient. I might try that early morning calling tip someone mentioned - setting my alarm for 3 minutes after they open tomorrow. We should definitely keep each other posted on any updates!
Oh my gosh, yes! The obsessive account checking is so real 😂 I've been doing the same thing - refresh, refresh, refresh, hoping something magically appears. It's like watching paint dry but somehow more stressful. I'm definitely going to try that early morning calling strategy too. Maybe if enough of us flood their lines right when they open, they'll get the message that we need better communication! Keep me posted if you make any progress - misery loves company and all that 🤞
Have you tried reaching out to your congressperson's office? Sometimes they can help cut through the red tape with federal agencies.
I went through this exact same situation last year when I needed detailed records for PSLF! What finally worked for me was calling MOHELA's "Document Request" line (different from their main customer service line) at 1-888-866-4352. Ask specifically for a "certified payment history transcript" and mention it's for NHSC - they have special procedures for loan forgiveness programs. The rep was able to email me a comprehensive report within 3 business days that included everything from the FedLoan transfer forward. Also, if you have your old FedLoan account info, you might be able to still access some historical data through their archived system. Hope this helps!
I'm dealing with something similar right now! MOHELA has been a nightmare to work with. What I've found helpful is requesting a "loan status history" document that shows all the changes to your account over time. This helped me catch where they made errors in applying my forbearance dates. Also, if you're on an IDR plan, double-check that they're calculating your payment correctly based on your most recent income info. Sometimes they use outdated data which can mess up your payment amount. The whole system is so confusing and they definitely don't make it easy for us! Keep pushing back and don't accept vague answers - make them explain exactly why you owe money during a forbearance period.
This is really great advice! I never knew you could request a "loan status history" document - that sounds like exactly what I need to figure out where things went wrong. I'm definitely going to ask for that when I call. You're so right about not accepting vague answers too. I feel like every time I've called before, they just give me the runaround without actually explaining anything. Thanks for the tip about double-checking the IDR payment calculation too - I honestly have no idea if they're using the right income info or not. This whole mess is so stressful but it helps to know I'm not the only one dealing with MOHELA's chaos! 😅
I'm going through the exact same thing right now! Just got a bill saying I owe $400+ during what's supposed to be my forbearance period. When I logged into my account, it shows my loan status as "in repayment" even though I have the forbearance approval email from last month. It's like they just randomly decided to ignore their own approval. Has anyone had success getting them to actually honor the forbearance dates they originally approved? I'm worried they're going to report me as delinquent while I'm fighting this mess. The stress is unreal 😰
Oh wow, this sounds exactly like what I'm dealing with! It's so frustrating when they have your forbearance approval but then just act like it doesn't exist. I've been reading through all these comments and it seems like this is unfortunately pretty common with MOHELA. From what others have said, definitely keep that forbearance approval email as proof and maybe try calling first thing in the morning when wait times are shorter. I'm worried about the delinquency reporting too - that's a really good point. Have you checked your credit report recently to see if anything's showing up there yet? This whole situation is giving me so much anxiety! 😣
Ashley Adams
Hey OP, have you checked if your employer is still eligible for PSLF? They changed some rules recently and some ppl got screwed over.
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Mia Rodriguez
•Oh geez, I hadn't even thought of that. I'll double-check, thanks for the heads up!
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Zoe Papanikolaou
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! 🤞
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Andre Dupont
•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.
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