Not sure if I did the right thing. I ignored my loans and was also steered towards forebearance by Navient. I finally started paying on the loans before they went into default about a year ago. I just paid the standard payment which was $1061 because I had no idea what to do. I recently learned that my time working in nonprofits which was over 11 years while i was mostly in forbearance almost that whole time may count towards PSLF so I applied and one of my employers certified employment pretty quickly in February and I got a letter saying I had 65 qualifying payments. I didn’t have the correct email for other employer so I resubmitted. They took a while and didn’t certify my employment until the beginning of April. I wasn’t even sure they would because I gave them a heads up and didn’t hear a word. So in between in March i applied for IDR not knowing how long this would take or how much longer I could afford the payment. Also, I got a letter from FSA saying my FFEL loans won’t be counted unless I consolidate to make them eligible. These loans were only about $3600. So I got green banners on 4/5 and then notification the IDR was approved on 4/7. I don’t think this will affect PSLF because with the weighted average calculators I’m still over 120. My question is can I or should I cancel the IDR application? Because my understanding is the payments I made on the standard plan are probably about $13,000 and my understanding is that I would possibly get that refunded and with the IDR I can no longer get a refund because those payments were previous to the IDR. Should I just leave it as is? I feel incredibly grateful to have PSLF when I thought there was no chance. I do think I qualify under the forebearance steering because if I was advised correctly by Navient my loans probably would have already been forgiven by PSLF. Any advice is appreciated. I don’t want to do anything that could mess up PSLF.
Posted by Ok-Establishment-197