MOHELA showing I owe $ during forbearance/IDR - How to fix?

Ugh, MOHELA is the worst! I've been dealing with similar issues for months. Have you tried calling them? It's a pain, but sometimes that's the only way to get answers.

I found a way to actually get someone on the phone without waiting forever. I used this site called claimyr.com - it's a calling tool that dials the phone menu, stays on hold, and then sends the call to your phone when a live agent picks up. It costs $20, but it worked for me. Here's a video about it: https://youtu.be/kfgsWnbb8cU

Here's what you need to do to get this sorted out: 1. Check your MOHELA account online and screenshot everything showing your current status. 2. Gather any emails or letters you've received about forbearance or IDR plans. 3. Call MOHELA (use that Claimyr thing if you want to save time) and ask for a full account review. 4. Request that they explain in detail why you're being charged and what your current status is. 5. If they say you're not on forbearance, ask them to apply it retroactively and provide documentation of when you initially requested it. 6. For the IDR plan, confirm which plan you're on and when it started. 7. Ask them to send you a written summary of everything discussed on the call. 8. If they can't resolve it, ask to speak with a supervisor or file a formal complaint. 9. Keep detailed notes of every conversation, including dates, times, and rep names. 10. If all else fails, consider filing a complaint with the CFPB. Stay persistent and don't let them brush you off. Good luck!

have you checked your credit report? sometimes these issues can impact your score and you might not even know it

OMG I'm in the exact same boat! 🚢 Been trying to get this sorted for weeks. MOHELA keeps giving me the runaround. Let me know if you figure out a solution!

Have you tried reaching out to your congressperson? Sometimes they can help cut through the red tape with federal loan servicers.

idk if this helps but I had a similar issue and it turned out there was a glitch in their system. Took forever to get it fixed but keep pushing!

Ugh, MOHELA. More like MO-HELL-A, amirite? 🙄

I went through something similar last year! The key thing that helped me was getting everything in writing. When you do finally get through to someone at MOHELA, ask them to send you an email confirmation of whatever they tell you about your account status. I had reps tell me different things on different calls, so having that paper trail was crucial when I had to escalate. Also, if you're supposed to be on an IDR plan, make sure they can tell you exactly which one and when your annual recertification is due. Sometimes they "lose" your paperwork and you end up getting charged when you shouldn't be. Don't give up - it's frustrating but you can get it resolved!

I just went through this exact nightmare with MOHELA! Here's what finally worked for me - when you call, immediately ask to be transferred to the "Account Resolution" department instead of regular customer service. They're more equipped to handle these forbearance/IDR mix-ups. Also, have your FSA ID ready because they'll want to look at your federal account too. The issue is usually that your forbearance status and IDR enrollment aren't syncing properly in their system. Don't let them tell you to "wait and see" - demand they fix it on the call. I literally stayed on the phone for 3 hours until they sorted mine out. It's ridiculous that we have to fight this hard, but it's worth it to get your account straightened out!

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.