MOHELA showing I owe $ during supposed retroactive forbearance - anyone else?

Ugh, MOHELA strikes again! 🙄 I swear they're always messing something up. Have you tried calling them? Be prepared to wait on hold for like 3 hours tho lol

I found a method to get someone on the phone. 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

I've been dealing with MOHELA for months now, and let me tell you, it's a complete circus 🎪🤡 Here's what I've learned: • Always, ALWAYS get everything in writing. If someone tells you something over the phone, ask them to email you a summary. • Keep a detailed log of every interaction, including dates, names, and what was discussed. • If you're supposed to be on forbearance, make sure you have the official forbearance approval document. They might have "lost" it. • Check your account online regularly. Sometimes they make changes without notifying you. • If you're on an IDR plan, double-check that they're using your correct income information. • Don't be afraid to file a complaint with the CFPB if they're not resolving your issues. Hang in there, OP. It's a long game, but you'll get it sorted out eventually!

am i the only 1 who thinks the whole student loan system is rigged against us? 😤 like, we're trying to better ourselves and they make it so damn hard

Have you checked your credit report recently? Sometimes these mix-ups can affect your credit score. Might be worth keeping an eye on that too.

Plot twist: what if we all just... stopped paying? 👀 They can't come after all of us, right?

Hey OP, what kind of forbearance are you supposed to be on? There are different types and the rules can vary. Might help to clarify that when you talk to them.

Ugh, I feel your pain. I've been in the same boat with FedLoan. These servicers are all the same - incompetent and unhelpful. Hang in there!

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

pro tip: document EVERYTHING. save emails, record calls (if legal in ur state), take screenshots. you never know when youll need proof

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! 🤞

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.