I applied for SAVE a year ago, recently had my IDR application denied as they were going through the system backlog, and I applied for PAYE which remains an option until 2028. (I didn’t want to apply for IBR in case I may want to switch from PAYE to RAP when it opens next year and when you switch from IBR to another plan your interest will capitalize).
Today I got this correspondence from MOHELA,
“Your recent request has been received and is expected to be processed within the next 90 business days. MOHELA will review your request and loan information details to determine if your request will be approved or denied.
If your loan(s) are not in forbearance or deferment, payment remains due. If you are participating in Auto Pay, this also remains active.”
My loans are currently in the same administrative forbearance as everyone else from SAVE, ending 10/26/25. But, when I call MOHELA and check my loan portal it says my first repayment is due 3/10/26. In the meantime, what do I do in case my IDR application isn’t processed by 10/26? Should I call to request another forbearance or will it be applied automatically? I thought loans would be placed into forbearance while they’re processing our IDR applications especially since they’re making so many people switch from SAVE
For those applying for new IDR switching from SAVE
byu/sparksflyup7 inStudentLoans
Posted by sparksflyup7
1 Comment
My save forbearance was just extended to 1/31/26… they will be extending yours soon as well. So I wouldn’t worry about that.
I applied to switch to ICR on 6/3 due to the uncertainty around parent plus… as of 7/4 when the BBB was signed, I hadn’t been moved. So I reapplied to IBR since it’s cheaper than ICR.
Got my 90 day delay notice 7/19. Still no movement.
I was not able to use the IRS retrieval tool… those peeps have been getting processed quicker.