Anyone else feel like we need a support group for dealing with MOHELA? 😅 This stuff is seriously stressful!

I'm dealing with something similar right now! MOHELA has been showing charges on my account that should be covered under forbearance. What I've learned is that sometimes their system doesn't update retroactively right away, especially if you recently switched to an IDR plan. A few things that helped me: - Get your forbearance approval letter if you have it - Screenshot everything showing the incorrect charges - When you do get through to someone, ask them to put notes in your account about the issue The retroactive stuff can take forever to process with them, but don't pay anything until you're 100% sure it's actually owed. Hang in there! 💪

I'm dealing with the exact same thing right now! It's like MOHELA's system can't figure out whether I'm on forbearance or my IDR plan. I've been getting conflicting information every time I call - one rep tells me I'm still on forbearance, another says I'm on IBR, and then my account shows I owe payments that should be covered. It's absolutely maddening! Has anyone had success getting them to actually look at both statuses at the same time instead of treating them like separate issues? I feel like there's some kind of system glitch where they can't see the whole picture of what's supposed to be happening with our accounts.

I've been lurking on this subreddit for a while but had to create an account just to respond to this because I'm literally going through the SAME thing right now! MOHELA has my account showing I owe payments even though I'm supposed to be on forbearance AND enrolled in PAYE. It's like their left hand doesn't know what their right hand is doing. Reading through all these responses is both reassuring (I'm not alone!) and terrifying (this seems to be a widespread issue). I'm going to try calling the Account Resolution department that @Ev Luca mentioned - fingers crossed that works better than the three times I've called regular customer service and gotten nowhere. This whole situation is stressing me out so much, especially since I'm worried it might affect my credit if they don't get it sorted soon. Thanks to everyone for sharing their experiences and tips!

Wow, this thread is like a masterclass in MOHELA survival! 😅 I just got assigned to them last month and honestly had no idea what I was walking into. The fact that we need elaborate strategies just to reach customer service about our own loans is absolutely insane. I'm definitely going to try the 8 AM sharp calling method and that * then 0 bypass trick - you all are legends for sharing these tips! It's both comforting and terrifying to see I'm not alone in this struggle. Bookmarking this entire conversation as my official MOHELA battle plan. Thanks for turning this nightmare into a community effort! 🙏

This thread is a goldmine! I've been trying to reach MOHELA for the past two weeks about an issue with my autopay setup and was starting to think I was doing something wrong. Seeing all these strategies gives me so much hope - especially the 8 AM sharp calling method and the technical support line workaround. It's absolutely ridiculous that we need a whole playbook just to talk to them about our own loans, but I'm so grateful this community exists to share these battle-tested tips. Definitely going to try multiple approaches tomorrow. Thank you all for sharing your experiences - knowing I'm not alone in this struggle makes it feel way more manageable! 🙏

I'm going through the exact same thing right now and it's absolutely maddening! I've been stuck in this loop for weeks where they keep saying they need supervisor approval but then nothing happens. One thing I've learned is to ask for a reference number or case number for your escalation request - that way when you call back (and you probably will have to), you can reference it and they can see that you've already been through this process. Also, try calling at different times of day - I've noticed the morning shift seems more willing to actually follow through on transfers. The afternoon/evening reps seem to just want to get you off the phone. It's so frustrating that we have to become experts at navigating their broken system just to get basic issues resolved. Stay strong - from reading these other comments, it seems like persistence really does eventually pay off! 💪

I'm dealing with a similar issue and it's beyond frustrating! What I've found helpful is being very persistent about getting that supervisor transfer - don't let them brush you off with "I need permission." I usually say something like "I understand you need approval, but I've been dealing with this for [X amount of time] and I'm willing to hold while you get that permission right now." Also, try asking for the complaint escalation department specifically - sometimes that gets you to someone with more authority faster than just asking for a "supervisor." And definitely document everything - agent names, times, what was discussed. It creates a paper trail that can be really helpful if you need to file complaints with CFPB or other agencies. The system is absolutely broken, but don't give up! I've seen too many people in this thread eventually get their issues resolved through pure persistence. You've got this! 💪

Hey Diego! I just went through this exact same situation a few months ago and it was absolutely maddening. MOHELA told me the same thing in December - that I'd be on forbearance "by end of month" and then... nothing happened for weeks. What finally got them to move was when I started keeping a detailed log of every interaction and then sent them a formal written complaint through their website referencing all the broken promises. I also mentioned that I was considering filing with the Department of Education's Federal Student Aid office since they weren't honoring their own commitments. Within 48 hours of sending that written complaint, I got a call back from a supervisor who not only applied the forbearance retroactively but also adjusted my payment history. The key things that seemed to make a difference: • Being very specific about dates and what was promised • Using formal complaint channels (not just phone calls) • Mentioning potential escalation to federal oversight • Asking for everything in writing Don't let them wear you down - you deserve to have them follow through on what they promised you in January. Keep fighting and document everything! 💪

Diego, I'm dealing with the exact same issue right now! MOHELA told me in December that my SAVE application was being processed and I'd be on administrative forbearance "within 10 business days." Here we are in March and I'm still getting payment notices like nothing happened. What's really frustrating is that every time I call, I get a different story. One rep tells me my application is "under review," another says they need more documentation (that I already submitted twice), and the last one acted like they'd never heard of my case before. I'm going to try some of the strategies mentioned here, especially the written complaint approach and asking for the Student Loan Resolution Team. It's ridiculous that we have to jump through all these hoops when they're the ones who made the promises in the first place. Has anyone had success getting their old payments recalculated under IDR after finally getting on forbearance? That's my biggest concern - I don't want to be stuck with these massive payment amounts when I should qualify for much lower payments under the income-driven plan. Stay strong and keep fighting! We shouldn't have to deal with this mess just because MOHELA can't keep their word 😤