What You Need to Know After the IDR Waiver Deadline 

🙏🏾👊🏾BRO YOU ARE SUCH A FOUNDATION OF INFORMATION AND PEACE!!🙌🏾👊🏾🙏🏾 I’M IN THE SAVE PROGRAM AND I’M JUST SITTING AND WAITING AS THIS PLAYS OUT! THANK YOU FOR ENCOURAGING US AND MAY GOD BLESS YOU AND EVERYONE CONNECTED TO YOU!!🙏🏾🙌🏾😇👏🏾☝🏾🎊❤️

My loans have been forgiven!

The problem with the States suing is that they are in the "student loan" business. Meaning they make money from the interest on student loans. So by reducing to 5% of income, then States can collect less interest.

I consolidated in 2016. Turns out Navient (no longer with them) had me on Extended Repayment Plan for 8 years. Will I not get any PSLF credit for those loans (saying ineligible for PSLF/TEPSLF) for my years as a teacher during that time? ECF changed nothing on PSLF count. Conflicting answers everywhere.

I had several years of IBR from 2006-2018 then I did a consolidation and lost all of my prior years before that consolidation. I had navient and several other companies before it’s with my current Lon servicer. So I had exactly what you are talking about. My worst idea was to do this now my 90,000 loan is almost 141,000 because of interest and capitalized interest. What can I do? Is the Save plan going to help me? I don’t want to lose my length of credit like I did before 2018. Helped I owe a house without the house in my loans.

lol the amount of edits on this vdo shows how this process is progressing....lol

Confused if my loans have been in deferment for over 10 years, what do I do now with navient?

Graduated loans from Grand Canyon university back in 2015 DOE never notified about the Cordova class action lawsuit that closed in 2022. Filed for BD in 2022. Just got diagnosed with cancer. Now thinking about bankruptcy next year. Should i go back into save plan to get the 1x credit? OR will i still get that credit? Your videos are incredibly informative 👏

a lot of people in recovery from default missed this consolidation. a good idea is to form a group or letter to request another extension due to things that happened in july 24

What about parent plus loan on IDR?

why is my loan in deferment until 2033? I had some forgiveness on the borrower defense. Now my total is at $14K down from $78K.

I've already started watching this for the second time because I am not comprehending some important aspects. First of all, I thought that the deadline had passed in April/May. I had so much pressure on me during that time, I wasn't able to devote time to the waiver at that time, unfortunately, because you seemed to say I needed to download and utilize some kind of tool to research my loans first. Secondly, when you say the loans have to be held by the Dept of Education, does that mean if my loan is with Navient, it's not with the Dept of Ed?? My loans were consolidated years ago for IBR with Navient. Is that a sufficient consolidation? And now Navient has transferred my loans over to another servicer. Is the timing of this a coincidence?? Would it affect this adjustment at all? When you said you can use the One Time Acct Adjustment with these 3 plans, I'm not quite sure what is meant by that. Use the adjustment to enter into those plans or if you're already using those plans?? Anyway, I plan to rewatch for clarity but if I had known the deadline was still running, I may have applied by now.

I consolidated in October 2023 for the IDR waiver and have been in repayment with undergrad and grad for 30 years and still haven’t gotten the notification of forgiveness. OS EVERYONE supposed to receive the notification by Sept 1st?

Thanks for these videos! I’m a little confused by what is/isn’t enjoined by the suits against SAVE: if we have FFEL loans that might have hit 25 years in repayment, can they be forgiven under SAVE or does the injunction mean we should switch to IBR instead?

I got into PSLF 4 years ago but had student loans since 2010. Will my previous deferment and forbearance credits prior to the start of my PSLF apply to my current PSLF terms?

PS how do I apply? I tried to get the first adjustment for the 10,000 or 20,000 and was on the list until the republicans blocked the help Biden was going to give students. I haven’t heard anything since the loans started accruing interest in October of 2023. Thank you for any thoughts or advice. This is so important for graduates as well as current and new students.

Is the one time account adjustment written as part of the save program initiative that has now been blocked in full?? Or was it a stand alone policy that is going to still happen?

I was filling out the application for consolidation but the federal student loan website wouldn't let me finish due to the court interventions right around 6/30 and it didn't give me the option to finish until after 6/30 - but now I can go back and finish it - so I won't get the full time in repayment(deferments, etc) credit?

@stanleytate. I have undergrad and graduate loans that I consolidated. I have been paying for 20 years on undergrad. Will I get the 20 year credit toward my graduate loans?

Thank you for this valuable information. Glad to hear that the one-time account adjustment is still in effect if our loans are held by DOE. Question: I just discovered my grad school went out of business at the end of May. (Goddard College). Do you think there is any recourse for those of us who took loans out for our grad programs at Goddard?

I had 2 loans from 2012 that were paid by the forgiveness but I had 4 others from 2015 that were not...why didn't they give me until the deadline to consolidate then all would have been paid if I'm thinking correctly????

How does the Chevron decision by the Supreme Court affect student loans? 😢.