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  • Redial until on hold
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  • Give you free callbacks if the MOHELA drops your call
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Kiara Greene

MOHELA payment count issue - Need help getting transferred to supervisor

I've been dealing with a payment count issue with MOHELA for my student loans. I filed a formal complaint with FedLoans, but they insist I need to reach MOHELA directly to resolve this. I finally got through to an agent, but they're trying to get permission to transfer me to a supervisor. Has anyone else experienced this? Any advice on how to get this resolved quickly?

Hey OP, what exactly is the issue with your payment count? I might be able to help if it's similar to what I went through.

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They're not counting some of my payments from when I was with a different servicer. I have proof I made the payments, but MOHELA says they don't show up in their system.

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Ah, classic. You need to request a payment history from your old servicer and submit it to MOHELA. Also, check if you qualify for the one-time payment count adjustment under the PSLF waiver. That might solve your problem automatically.

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unpopular opinion: maybe if we all stopped paying theyd actually fix their broken system 🤷‍♀️

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Yeah, no. That's a great way to tank your credit score and end up in collections. Don't do this.

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it was mostly a joke lol but fr something needs to change

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Sarah Ali

MOHELA payment taken from bank but not showing on account - help!

Hey everyone, I'm in a bit of a pickle with MOHELA. I made a payment on my unsubsidized loan a few days ago, and the money was taken out of my bank account, but it's not showing up on my MOHELA account. Has anyone else dealt with this? I'm worried because it's a pretty big payment and I don't want it to get lost in the system. Any advice on how to handle this?

Oof, MOHELA and their payment shenanigans. Classic. 🙄 Hang in there, OP. You're definitely not alone in this struggle.

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This is such a common issue with MOHELA unfortunately! I went through something similar a few months back. One thing that helped me was logging into my bank account and taking a screenshot of the transaction with the date, amount, and reference number. When I finally got through to MOHELA (took forever on hold), having that info ready made the process go much smoother. They were able to track down my payment using the reference number. Also, if you have online banking, check if there's a "transaction details" section that shows where exactly the payment went - sometimes the routing info can help them locate it faster. Hope you get it sorted out soon!

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Keisha Williams

MOHELA website can't find SSN but sending missed payment notices - How to fix?

I'm having trouble paying my student loan online. The website keeps saying it can't find me when I enter my social security number, but I'm still getting notifications about missed payments. Has anyone else experienced this? It's so frustrating because I'm trying to stay on top of my payments, but the system won't let me. Any advice on how to fix this or who to contact?

Here's what you need to do: 1. Document everything. Keep a record of all your attempts to pay, screenshots of errors, and copies of the missed payment notifications. 2. Call customer service (use that Claimyr thing if you don't want to wait on hold forever). 3. When you get someone, explain the situation calmly and ask them to verify your SSN in their system. 4. If they can't help, ask to speak to a supervisor or the technical support team. 5. Request that they put a hold on any late fees or negative credit reporting while they investigate the issue. 6. Get everything in writing. Ask for a confirmation number for your call and follow up with an email summarizing what was discussed. 7. If all else fails, file a complaint with the Consumer Financial Protection Bureau. They can often light a fire under these companies. Don't give up! You're doing the right thing by trying to stay on top of your payments. Good luck!

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Wow, thank you so much for this detailed advice! I'll definitely follow these steps. Really appreciate you taking the time to write all this out.

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This is gold 💯 Saving this for future reference!

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I had this exact same issue with MOHELA a few months ago! The website kept rejecting my SSN even though I was triple-checking it. Turns out there was a data mismatch between their payment portal and their main database. What finally worked for me was calling early in the morning (like 7-8 AM) when the wait times were shorter. The rep was able to manually verify my info and reset something on their end. Also, make sure you're using the exact SSN format they expect - some systems are picky about dashes vs no dashes. In the meantime, keep those payment attempt screenshots as proof you're trying to pay on time. This isn't your fault - their system has issues!

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Freya Andersen

MOHELA keeps disconnecting my calls - how to actually reach a human?

Hey everyone, I'm having trouble with my student loan and I need to talk to someone at MOHELA. Has anyone had any luck getting through to them lately? I've been trying to call but keep getting disconnected. Any tips or advice would be really appreciated!

Pro tip: if you're having trouble with MOHELA, reach out to your state's student loan ombudsman. They can sometimes help mediate issues and get things resolved faster.

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I had no idea this was even a thing! Thank you, I'll look into it if I can't get through to them soon.

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I've been dealing with MOHELA for 2 years now and here's what finally worked for me: call their Spanish line even if you don't speak Spanish fluently. The wait times are usually much shorter, and most reps are bilingual anyway. Once you get through, just explain you need help in English and they'll switch over. It's not ideal, but desperate times call for desperate measures! Also, try calling on Wednesdays around 2-3 PM - seems to be their least busy time in my experience.

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