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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!
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! 🤞
This is super helpful, thank you! I think you might be onto something with the administrative forbearance vs regular forbearance distinction. I did submit an IDR recertification recently, so that could definitely be what triggered this mess. I'm going to ask them specifically about that when I finally get through to someone. Really appreciate you taking the time to explain the difference! 🙏
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 Sometimes they use outdated data which can mess up your payment amount.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! 😅
Am I the only one who thinks its ridiculous that we have to jump through so many hoops just to get OUR OWN payment information? The whole student loan system is a joke 🤡
Have you checked if you qualify for PSLF? Might be worth looking into if you work in public service or for a non-profit. Could potentially wipe out your loans after 10 years of payments.
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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