My loans are on SAVE. In December I received a document saying my IDR application was denied. I had not applied, so I called. They said it was an automatic recertification that was nullified by the moratorium on SAVE applications, but that I was still on a SAVE plan. They advised me to switch from SAVE to another IDR, but I decided to stick out the legal proceedings. I now learned that they rescinded my SAVE forbearance even though I am still on SAVE in their system. They refuse to reinstate my forbearance, which would be valid for quite a while still otherwise.

    A representative spoke to their manager but the manager refuses to reinstate the forbearance, which they say was dropped due to a 15-month old IDR application that was never determined until December—the random document I received with no context after the SAVE settlement announcement.

    I am still on SAVE, I told them in December I wanted to ride out SAVE, they are perplexed as to why it took them 15 months to reply to my old IDR application from 2024. They confirmed I am still on SAVE and they refuse to reinstate the forbearance they removed in December because of this 15-month late determination that was the result of MISSING CHECKBOXES on the form in 2024–which is also NOT how they explained to document this past December.

    Now I have loans due that I was not expecting, while unemployed, and they are trying to get me into an IDR rather than restoring my right to forbearance.

    I feel like I am being strong armed. Any advice?

    Servicer cancelled my SAVE forbearance due to a clerical error and won’t reinstate it
    byu/good_socks_rock inStudentLoans



    Posted by good_socks_rock

    2 Comments

    1. They did you a favor. By using IBR or an unemployment deferment you’ll get an interest subsidy on your subsidized loans you won’t get on the save forbearances. Downside is interest caps when you leave either. Another alternative is to ask for general forbearances which will act just like the save forbearances do.

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