I graduated from a masters program in May 2024. While I was in school, I technically took out a loan each semester so between that and loans that rolled over from ungrad I ended up with 9 loans totaling around $38k.

    In June 2024 I applied for consolidation and application for SAVE with PLSF. Because of the 6 month grace period, I put on my application to begin in October 2024.

    The consolidation went through and my Nelnet loans got transferred to MOHELA (suuuucks). But then the SAVE litigation began, so MOHELA refused to processed my SAVE application and put me into the initial forbearance.

    In one of the litigation updates last winter, the ruling applied to applications from July onward I think it was? Somehow I ended up on the wrong side of the cutoff and MOHELA pushed me into standard repayment. I didn’t complain though because I think my monthly payment is reasonable.

    The problem is that (because its a consolidation) my payment doesn’t pay off in 10 years. But it turns out studentaid.gov is saying I couldn’t do PSLF because in theory standard repayment pays off in 10 years. So the payments that I’ve made have not counted towards PSLF. Because my application for it was part of my SAVE application, I was never steered into something that would work for it.

    How can I rectify this to make the whole situation as close to if I was actually able to be making payments towards PSLF since I started repayment? I’ve been a state government employee this whole time.

    Thanks all.

    I got screwed in the SAVE litigation on a PSLF application. What’s the right way to go?
    byu/hftd-kidd inStudentLoans



    Posted by hftd-kidd

    1 Comment

    1. You can switch to an IDR plan to start making qualifying payments. The standard plan after consolidation does not qualify for PSLF. You can use buyback on the forbearance months later on when you reach 120 months of qualifying employment.

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