I have been part of PSLF for 6 years now and just got hung up on after waiting on hold with Mohela for TWO HOURS.
What happened was, I have been making consistent payments to Mohela for the past year, but because Mohela did not process my PSLF and IDR forms within 60 days of me submitting them in 2025, they forced all of my loans into forbearance even though I had a zero dollar balance and have been paying on time for years.
They just informed me that since I have only made 62 payments thus far counting towards PSLF, I would have to wait until 2030 to call Student Aide and ask for a buyback on these past 7 months where my payments have not counted towards PSLF due to this forebearance status.
I asked Mohela “So, if I send in all my of forms on time and make all monthly payments towards my loans and MOHELA does NOT process my forms within 60 days on their end, they are allowed to just put my loans into forebearance and continue forcing me to make monthly payments that are NOT counting towards PSLF?”.
Mohela employee responded with “have a great day” and hung up.
This has been a runaround with them for years and I am starting to feel like this is a big scam!
Posted by Bright_Elderberry_30
5 Comments
It’s not a scam.
60 days of processing forbearance counts towards forgiveness. Any additional forbearance does not count, but that forbearance can be bought back later. If you are in forbearance then they are not forcing you to make payments that don’t count towards forgiveness because forbearance means you have no payments due. Do not make payments during forbearance.
The opposite is true, it is the most generous forgiveness program that is on offer
Definitely not a scam. I had 60k forgiven with PSLF while with mohela. I was meticulous with recertifying and stayed on top of it. Sometimes you gotta call back and get someone else. It’s frustrating.
If you tried to recertify your income when you didn’t have to, then that tends to push people into prolonged forbearance. I believe everyone’s recertification dates were pushed back to at least to 2/2026. You can buy back these forbearance months in the future to still get credit towards your PSLF. If you were actually paying during forbearance, maybe you can ask them to cancel the recertification and retroactively remove the forbearance.
I would think mohela is actually closer on the scam spectrum. PSLF was signed into law in 2007 and many people here can, and are speaking of their experience with it. It is certainly a process tho