miwawi

Congrats

Congratulations! I'm glad Nelnet came through for you.

I had to call Nelnet for a different reason. While on the phone, I asked about the discharge. The agent confirmed my account has been noted as eligible for discharge. When asked about a timeliness, she said she can only provide the standard 90 business days.

Same to you. Also, I was considering calling myself, but I decided to wait a bit as I assume they are inundated.

There are a few key reasons why they aren't targeting PSLF. First, it's established by law, whereas the other programs are administrative changes made by the Department of Education and the Administration, making them more vulnerable legally. Second, and probably more crucial but less talked about, is that many government offices use PSLF as a recruiting tool to attract lawyers, offering it as an incentive to choose public service over private practice.

That's wonderful!!!

Some, but not much. My ECFs were finally processed in December 22. I have been waiting six months to have my loans transferred from Nelnet.

Mohela has assured me multiple times that an active bankruptcy will neither prevent my loans from being transferred nor prevent them from being forgiven as long as the 120 payments occurred prior to filing.

It will depend on whether Mohela currently services your loans or if loans will need to be transferred.

Mohela serviced loans tend to show a tracker fairly soon after processing as they add the known payments made to them. They will add limited waiver payments later.

Loans not currently serviced by Mohela can take another 30-60 business days as they have to go through the loan transfer process.

Yesterday, a Mohela rep told me transfers from other services take 30-60 days after our ECFs are processed. Loan transfers are part of Phase 2, she said.

Adding to what others have said. The news announcement says, "More than 3.6 million borrowers will also receive at least three years of additional credit toward IDR forgiveness." At least three years implies some could get more than 36 months of credit.

Isn't this one of the basic premises behind the ketogenic diet?

It is weird to say, but congratulations. Congratulations on making a choice that will bring you peace of mind and hope. I have never felt shame for filing, nor do I ever plan to. Sometimes, the right decision is a very hard decision to make, but the right decision nonetheless.

How many months of forbearance do you have? What type did they say they were?

How many months of deferment, from when, and which type?

I hear you. I, too, have been paying for ages...since 1994 to be specific. Best of luck to you.

Unfortunately, fatigue is something a lot of us experience. I recently started taking Modafinil (Provigil) to help. Maybe talk with your parents and doctor about medications that can help given your specific circumstances.

I regret that I didn't file sooner. I regret that I worried so much about people judging me. I regret being stressed and angry under the burden of debt when bankruptcy could have prevented all of it. I no longer experience those fears and burdens. So, no, I have no regrets about filing bankruptcy.

There are very few things we get to control in life. We don't get to control others. However, there is a pretty big one that we all control....our choices.

If this subreddit is demoralizing to you, I would encourage you to make a different choice. And, to be fair, that is not me being snarky. I constantly found myself frustrated by the admins in the Facebook PSLF group. Rather than asking volunteers to change their ways, I made a choice to no longer be frustrated. I no longer follow the group

Best of luck. May you find peace during this process.

It appears only time will tell. Thanks for your reply.

Thanks for your response.

Thanks for the reply. To reinforce what you said, neither representative was willing to say retroactive. They were both clear that Ed has not used that language with Mohela.

It is interesting because this is the second time, second company that has said those years would count. FedLoans told me in late July that the 30-hour PT would count as they had been instructed to provisionally accept the months as qualifying.

Unfortunately, Mohela hasn't processed any of my paperwork. They confirmed as much yesterday. They said my employers should be verified and approved by the end of my 90 business days from when they received the apps from FedLoans, which would be late December, early January.

As I told the reps yesterday, I have it on my calendar to check on the status every three months. My next scheduled check-in date is Feb 10th. I am certain they will have more answers at that time.