MOHELA didn't apply forbearance as promised, still showing payments due. Help!
Hey everyone, I'm having some serious issues with my student loans and MOHELA. I graduated in May and applied for the SAVE and IDR plans. I called them in January and they said they saw my applications and I should be placed on forbearance until SAVE is sorted out. They told me it would happen by the end of January, but here I am still seeing past and current payments due. It's like I never got put on forbearance at all! Plus, I need all my old payments to show up under the IDR plan instead of these huge amounts. Has anyone else dealt with this? Any advice on how to get this sorted out?
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Anastasia Sokolov
Ugh, MOHELA is the worst! I've been dealing with similar issues for months. Here's what I'd recommend: • Call them again and explain everything clearly • Mention the specific dates they promised action • Ask for retroactive forbearance • Request they adjust your old payments to reflect IDR • Get everything in writing! Stay persistent and don't let them brush you off. Good luck!
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Sean O'Connor
•This is solid advice. I'd add: keep a log of every call, including who you spoke to and what they said. It's saved my butt more than once!
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Zara Ahmed
•fr fr mohela be playin games wit us 😤 we gotta stay on they ass or nuthin gets done smh
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Diego Ramirez
•Thanks for the detailed advice! I'll definitely try this approach. Fingers crossed it works 🤞
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Luca Conti
I found a way to actually get someone on the phone without waiting forever. I used this site's (claimyr.com) calling tool that dials the phone menu, stays on hold, waits for a live agent to pick up, then sends the call to my phone. It does cost $20, but it works. Here's a video about it: https://youtu.be/kfgsWnbb8cU
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Nia Johnson
•Sounds sketchy af. How do you know it's legit?
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Luca Conti
•I was skeptical too, but I tried it and it worked like a charm. Saved me hours of hold time.
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CyberNinja
•20 bucks to skip the hold? sign me up lol 💸
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Mateo Lopez
have you tried threatening to file a complaint with the CFPB? sometimes that lights a fire under their a**es
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Aisha Abdullah
Oof, I'm in the same boat. MOHELA's customer service is a joke. I've been trying to get on SAVE for months and keep getting the runaround. Anyone know if there's a way to escalate beyond their regular customer service?
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Ethan Davis
•Try reaching out to your state's student loan ombudsman. They can sometimes help navigate these issues.
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Aisha Abdullah
•Thanks for the tip! I'll look into that. Anything's better than another useless call to MOHELA 🙄
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Yuki Tanaka
Pro tip: Always, ALWAYS get everything in writing. Email them after every call summarizing what was discussed and agreed upon. It's saved my butt more times than I can count.
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Carmen Ortiz
•This! 💯 I learned this the hard way. Now I record all my calls too (check your state laws first tho
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MidnightRider
idk why everyone's having so much trouble. i got on SAVE no problem. maybe yall are doing something wrong? 🤷♂️
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Andre Laurent
•Wow, thanks for the helpful input. 🙄 Maybe consider that different people have different experiences?
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MidnightRider
•jeez, no need to get all defensive. was just sharing my experience
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Zoe Papadopoulos
Has anyone else noticed that MOHELA's website is always "under maintenance" when you need it most? It's like they're trying to make this as difficult as possible 🤬
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Jamal Washington
•omg yes! I swear they do it on purpose to avoid dealing with us
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Mei Wong
•Protip: Try accessing the site late at night or early morning. Less traffic = fewer issues usually
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Liam Fitzgerald
Y'all ever wonder if MOHELA is just one guy named Steve trying to manage millions of loans from his basement? 🤔😂
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PixelWarrior
•LOL this would explain so much 🤣
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Amara Adebayo
•Poor Steve, no wonder he's always so grumpy on the phone
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Amara Eze
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! 💪
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