Unpopular opinion: maybe just be patient? The system is overwhelmed rn with all the changes. Yelling at customer service reps won't make it go faster.

I totally get the frustration of being stuck at a job you want to leave! Have you considered reaching out to your HR department about your situation? Sometimes they can work with you on timing, especially if you explain that you're waiting on federal loan processing. Also, the Student Aid Ombudsman might be able to help expedite things if MOHELA keeps dragging their feet. Worth a shot if the standard channels aren't working fast enough!

pro tip: document EVERYTHING. save emails, record calls (if legal in ur state), take screenshots. you never know when youll need proof

This is such a frustrating situation! I had something similar happen last year where MOHELA was showing I owed money during what should have been administrative forbearance. Turned out they had processed my IDR application but somehow "forgot" to apply the forbearance period that was supposed to cover the gap. A few things that helped me: - Ask specifically about "administrative forbearance" vs regular forbearance - they're different - Request they pull up your loan history timeline to see exactly when each status change occurred - If you submitted any paperwork recently (like IDR recertification), ask if that triggered the forbearance removal The retroactive part is key - they should be able to backdate any corrections once they figure out what went wrong. Don't let them tell you it's "too late" to fix retroactively. Good luck! 🤞

lol mohela more like mo-HELL-a amirite? 🤣

Also, make sure to call early in the morning or later in the afternoon - I've found mid-day is when they're swamped. And definitely have your account number ready to go, they'll ask for it right away. One more thing - if you're calling about payment issues, have your bank routing/account info handy in case they need to update anything. Hope your call goes smoothly!

Y'all ever wonder if MOHELA is just one guy named Steve trying to manage millions of loans from his basement? 🤔😂

I feel your pain! I went through something similar last year. Here's what finally worked for me: 1. Document EVERYTHING - dates, times, names of reps you spoke with 2. Send a formal complaint via their website AND email it to their compliance department 3. If that doesn't work, file a complaint with the Federal Student Aid Ombudsman (not just CFPB) 4. Reference the specific conversation from January where they promised forbearance The key is being persistent and escalating through proper channels. Don't let them keep giving you the runaround - you have rights as a borrower. Also, make sure to request retroactive application of any forbearance they should have applied in January. Good luck! 💪

bump for visibility. good luck OP!

This is so stressful! I had a similar situation with MOHELA last year where a $2,400 payment disappeared for almost 3 weeks. What finally worked for me was escalating through their complaint process - I filed a complaint through their website AND called their escalation line (different from regular customer service). The escalation team was actually helpful and found that my payment had been "stuck" in their system due to some processing error. They applied it retroactively and even waived the late fees that had accumulated. Don't give up - that's YOUR money and they need to account for it!