SAVE to RAP with MOHELA

Just sharing my recent experience. Was on SAVE forbearance. Got my letter to switch plans on June 1st, applied for RAP on September 29th before the extension was provided. Payment plan approved by MOHELA today (October 6th) for an amount that was consistent with the studentaid.gov calculator – nearly doubling from about $600 under SAVE to $1,200 under RAP, which was the cheapest for PSLF credit. According to emails from MOHELA, forbearance ends November 2nd and the first payment is due December 2nd.

For PSLF, my 120th employer certified month is October 2026.