September would have been my last payment. Number 120 for PSLF. My job is soul crushing. My health is failing. I found other employment, but cant accept because of all of this. Even if buy back is possible in a year...my prison sentence at my job is being extended until that happens. Plus the 90 business days to process a PSLF application. This is damaging people's lives.
I am wondering if people in your situation would have a class action lawsuit based on a contract theory: detrimental reliance. If you find an attorney willing to do this, please let us know.
Sorry to hear that you are experiencing this. Hold on. Because at least you are closer than some people. And you definitely deserve your PSLF buy back - you earned it!!! Hope this gets resolved soon for you. I have more time to go.
What are chances of the Buyback program being challenged in court just like SAVE??? How is the Buyback being considered a safety net or a viable option to recover months that should have counted.
As far as double consolidation for Parent Plus Loans, What are you recommending for those of us who have completed the first round of consolidation, but were waiting on the online consolidation option to be turned back on for the 2nd round of consolidation? Thanks!
Why she many darn change I started send documents by email for this me date stamp or uploaded online after one income verification I faxed was lost or told app was incomplete
I’ve been told that they are trying to verify my July PSLF form that I turned in. At first it said I had 16 more payments back in April towards my 120 payments now it says 32 more I really don’t know what I need to do
What I’m doing is still paying. Because I read on the student aid website when the forbearance is over they go back and count the payments. I don’t really need to miss a month. They got me in July. But once I found out what was happening I paid in August and September. I’m also going to pay in October. All I know is this sucks. Just trying to pay my bill actually and they are in the way of it.
Ok. I submitted an IBR application (to change from SAVE), and MOHELA received it as of August 26 (per USPS and MOHELA both). MOHELA still refused to process the application as of the first week of September. I filed a complaint with FSA, who sincerely DOES NOT CARE ONE BIT. I also requested MOHELA put me on a processing pause so I could get PSLF credit for my full time nonprofit job.
I think maybe there’s a lawsuit based on the contract theory of “detrimental reliance.” I am not sure who should be sued, though. The individual loan program? The government?
I've emailed FSA twice regarding buyback since March to no avail. I was throwing a hail Mary trying to buyback periods of deferment from the past. They are preconsolidation periods (18 months worth) but we were basically told to consolidate to get the highest payment amount. I don't regret many things in life but that recent consolidation burns every time I think about it. I would've been done with these loans in March. Now that student loans have become so political, who knows what will happen. I hate it here lol
Sorry man, but everyone’s situation is different. I hope you got a decent amount of months added with the consolidation to make it worth it. I got 10 months worth, but only could have bought back 2 months. So for me consolidation was better than buyback. You can’t buyback preconsolidated periods so I wouldn’t waste your times. Also, you can’t just email them, there’s specific instruction on StudentAid to make the buyback request
@nhut8787 I went through the FSA complaint/reconsideration process as you're supposed to but again, it was a hail mary. The consolidation was not worth it because it was only about 3/4 months of added payments for me. At the same time, buyback wasn't even an idea then so no one knew. I just wanted to get closer to forgiveness at that time and EVERYONE was recommending consolidation. Well, I'll just keep holding on and pay as they allow us.
