Looking for some advice on how to handle a recent change. For some context:

I've made roughly 100 payments towards PSLF and I'm on an IDR plan, which had my monthly payment at $36.19. I've made consistent payments every month and nothing has drastically changed with my salary (I'm a 5th grade teacher). Back in July, I got a message from Mohela stating that my monthly payment would increase to over $600 per month. I was miraculously able to get ahold of somebody to speak to to dispute the increase. They placed me on "administrative forbearance" while they looked into it. Through that time, I continued to make my $36.19 payments. The administrative forbearance period recently ended, and I've since gotten several different notes from Mohela with varying amounts listed as being owed. All in all, it seems as if my November payment will be in the $600+ amount. I haven't been able to get ahold of anybody that can give me more information... every time I call, I get rerouted a million times until I'm placed on a 5-hour hold or they auto hangup.

So my question... do I have any recourse in keeping my payment at a similar amount to the $36.19? I'm so close to my 120 payments but the jump to over $600 seems extreme. Can I keep making lower payments or will that defeat the purpose and not count towards my PSLF?

Any advice is much appreciated!

I make like 38k a year. I'm confused by this whole mess. Initially my instincts were to ride this out because I found it odd that the Feds weren't just kicking me off SAVE right away. It occurs to me that maybe there are legal challenges I'm not aware of that would render the government unable to actually kick us off SAVE. That said I've seen people saying they were kicked off and enrolled in the standard repayment plan automatically. I just haven't seen very many. Ive also seen people saying they got a 30 day extension, but that doesn't appear to be a guarantee even though the Feds appear to have said it is.

My instincts are now telling me to hedge my bets and take the IBR plan and just start making payments. RAP is $96 a month but goes until 2046, and I just don't really trust it because it's Republican's baby. IBR seems like the safest option. I just wanted input from other people that know more about this than I do. Do you think I'm making the right decision by applying for IBR? I just don't think that I'm willing to play chicken with the Federal government anymore.

Hi everyone,

I was just wanting to see what others experiences have been when it comes to total and permanent disability discharge, whether private or federal. I am seeking this route as I have been unable to work due to multiple health conditions that I have and I was just hoping to hear what your experience was like applying, what the response was from your lender, and the outcome of the situation, if anyone is open to sharing whether they were successful or not. I do have probably over a thousand pages of medical records at this point if they needed them for any reason as supporting documents.

I also have both private and federal student loans.

Because I've not been able to work and my spouse has been helping me pay them, I feel really awful because I have quite a lot of debt in my name and I hate for them to be financially responsible for them forever (they are all in my name only, he is not a co-signer or anything). I attended school in the hopes of having a career and being able to contribute financially for both of us but that hasn't been the case for the last 2 years.

I appreciate y'all's time, thank you so much!

I’m completely baffled by my student loans and am battling an illness so I don’t have the time or capacity to figure things out right now. I’m hoping to find someone to just manage all of it for me, so what money I do make isn’t garnished.

Someone recommended student loan tutor as they manage everything. I’m willing to pay on an income based repayment plan and after doing some digging it looks like this company gets loan payments to basically zero, by having you change a paycheck. Is this true? How is this legal? I’m confused, if a large company is doing this, it can’t be illegal, right? Due to liability?

I guess I’m just trying to understand all the options and was curious about opinions and experiences. I’ll probably see if I can find a cpa to help.

I decided to go for a career with Keiser University. I signed up for my Associates Degree in 2009. Passed and got my diploma. The school promises that you’ll get a job with $13.00/hr pay or more. For 2009, that’s awesome. Jobs were hiring at $9/hr and was told time and time again that Medical Assistants don’t get paid much. So I decided to go back to school to further my education. I should’ve stopped there but all I could think was getting a Bachelor’s degree so that I could provide for my daughter.
I was one month away from graduating and getting my Bachelor’s degree but the school wouldn’t let me pass the last class. I asked for Tutoring as they offer free tutoring but the Tutor told me to “figure it out myself “. I tried getting outside tutoring but no one was available even reached out to the teacher and he wouldn’t answer my emails. I tried everything. Then I decided to continue my schooling elsewhere and finish with another school. THE CREDITS ARENT TRANSFERABLE!!! If I signed up to a new school, I’d have to start from scratch and still pay Keiser University. I reached out to the Education Department. They mentioned about a program that they had that was the Borrower’s to Defense. I applied and with time, all of my federal loans were canceled. But my private student loans for my Bachelor’s degree are still lingering. I have a part time job where I don’t make much money. I tried reaching out to Keiser University but they ignore me. Telling me that I must uphold the Promissory Note. But if my private loans aren’t attached to a course or a degree, what am I paying? Wouldn’t the school have to return that money? I need help. Please. I feel like I’m drowning.

Hi! Has anyone had any success refinancing their Prodigy Finance loan in the UK? I live and work in London on a skilled worker visa. I always thought Lendwise was an option but they rejected me saying I need Indefinite Leave to Remain - basically need to be a UK national! That is still far off for me. :( I see SoFi comes up but they are US residency only. If anyone knows of any other providers please let me know 🙏

Cross-posting for visibility to see if anyone is going through the same thing re: autopay dispersements not being counted towards your loans and being considered past due.

Hello everyone, I was curious to know if I could still get any help from Fafsa once I obtain my first bachelor's degree? I have heard that the pell Grant, and I believe one of the other loans becomes unavailable. I was just wondering, just in case I decided to go back to school in the future.

Hi everyone,
This is a bit unusual for me to post, but I’m reaching out because I’m in a difficult situation and could really use some guidance or help.
I’m an international student in the US pursuing a degree in STEM. Education has always been important to me, and I’m working hard toward my goal and using my skills to make a positive impact in the future.
Unfortunately, as an international student without family in the United States, financing my education has been incredibly challenging. I currently have a significant tuition balance, and I’m exploring student loan options to help me continue my studies. One of the biggest obstacles is finding a qualified U.S.-based co-applicant who could help me qualify for a loan.
I know this is a big ask, especially from someone you don’t know personally. I’m not expecting anyone to take such a responsibility lightly, and I completely understand the financial risks involved. I’m simply hoping to connect with someone who might be willing to discuss this possibility or point me toward legitimate alternatives for international students in my situation.
I’m happy to provide appropriate documentation, discuss the loan terms transparently, and answer reasonable questions so that anyone considering helping can make an informed decision.
If you have experience with student loans for international students, know of organizations that help students in situations like mine, or are willing to have a conversation, I would genuinely appreciate hearing from you.
Thank you for taking the time to read my post. Any advice, leads, or support would mean a lot to me.

Hi all! I began with Navient in 2009-2012, then had my loans switched over to Aidvantage within the last decade or so? I have no idea why it happened (they might have told me why at the time, but I can’t remember). All I know is I pay Aidvantage now instead of Navient. Cool cool cool.

Anyway it seems since I was on REPAYE that the Biden administration was set to forgive at least a partial amount of my loans. I received notice in the mail and have records downloaded, which show all my previous payments, loan forgivenesses, etc.

However, it seems StudentLoans.gov is listing my loans as unpaid. Fine, whatever. I know admin changed, so I wanted to look further into this—obviously—especially since some loans aren’t fully paid or forgiven yet.

Here is the issue. Even actual payments I’ve made towards my debts are nowhere to be found now. When I go to login to Aidvantage, it says my account does not exist. My previous login won’t work! I called and they cannot find me either.

So then I try to go to Aidvantage from StudentLoans.gov, and it brings me to a page saying that my Aidvantage loans are now being serviced by MOHELA. Well, I can’t find an account over with MOHELA either?

Essentially, the loans showing on StudentLoans.gov won’t actually bring up the accounts, and loans that need to still be paid off currently show they are in forbearance.

So who do I contact from here or has this happened to anyone else? I don’t know what the heck is happening, though I am glad I saved records of my previous payments. I was considering not touching my REPAYE plan until they forced it themselves (switched me onto a different plan), but I can’t even find the servicer now?

Also, I never received notice that Aidvantage switched me to MOHELA. I literally have emails from over the summer sent from Aidvantage—and now it seems I don’t exist? Which is obviously not true, but what gives?

m 19 and currently trying to study abroad in Italy next semester for 5 months. During this I know I will have financial aid on my side for my tuition as it’s a direct exchange from my home university.

Aside from that It feels like I’m helpless when it comes to flights, housing and living costs. My parents aren’t the most well off and I’ve struggled getting them on board financially recently. I don’t want this burden to weigh too heavily on them but I know they would contribute some towards cost of living.

I desperately want to take a personal loan out and just pay it off when i’m back (doesn’t seem like the smartest idea but I have a great credit score). I feel as if they would be on board with co-signing with me, but there seems to be hundreds of loan options and I honestly don’t understand the terminology in the loan world, or which one would be best for me. Does anyone have advice on funding themselves through study abroad, personal loan experience, or working abroad? Desperate for an answer!

I recently applied for loan rehabilitation. When I initially entered my income they said the estimated payment would be $5 a month. After they offically reviewed my paystubs and W-2 they came back and said it would be $426 a month.

I don't make a ton of money, my wife stays at home with our two year old daughter. We have a family of 5, a mortgage, car payments, insurance payment, groceries, gas, etc...

How can I potentially get this monthly payment lowered?

Any advice would be helpful, thank you!

Hi everyone, I’m 20 and a UK citizen. SFE approved my student loan in September, but suddenly revoked it on my first day of university.

My situation:

1. Forced Absence & Estrangement: When I was 16, I was forced by my family to leave the UK for 3 years. This was entirely involuntary due to severe domestic abuse and homophobia. I am now back in the UK, completely estranged from my father because I am gay. He has cut all ties, and I have zero access to his documents.

2. Current Living Situation: I am currently living in university accommodation. Before moving here, I was staying with my uncle who has a great relationship with me.

3. No Past Evidence & Mother’s Status: Three years ago, I was just a minor under trauma and had no idea that applying for SFE would require so much paperwork, so I have no useful historical files left. My relationship with my mother is okay, but she cannot help me at all because she still lives with my father and has no independent credentials.

4. The Reason for Refusal: SFE absolutely knows about my family estrangement and abuse. However, the direct reason they revoked my loan in late September is that they flatly refuse to accept any residency documents from my uncle (whom I lived with) and dogmatically demand my estranged father's records instead.

5. Current Status: SFE is supposed to review my appeal under Estrangement and Compelling Personal Reasons (CPR) policies. However, this Monday, they suddenly notified me that they are delaying the decision by another two weeks.

I am running out of money and extremely stressed. What alternative evidence can SFE accept instead of parental documents for an involuntary absence when they reject relatives' documents and you have no past paperwork left? Any advice would be life-saving. Also, is there any way I can resolve this issue? For instance, are there any people I could turn to for help or to handle the matter? Thanks. （This week, he has stated three times in a row that the update date will be delayed.） 🙂🙂🙂🙂🙂

I just got an inbox message from MOHELA that is titled: "Correspondence Processing Delay."

The message PDF letter itself says: "Your recent request has been received and is expected to be processed within the next 90 business days. We will review your request and the details of your loan information to determine if the request will be approved, denied for reasons such as not meeting eligibility requirements or the information provided to us is incomplete, or if the request required further review by Federal Student Aid (FSA). Notification of the results will be sent to you after your request has been processed."

What confuses me is that it doesn't say what "request" it is referring to? The only recent request I've had has already been fulfilled (I think):

• On October 13, I recertified my PAYE plan on StudentAid.gov.
• On October 15, MOHELA messaged me to say they received the recertification request.
• On October 20, MOHELA messaged me to say that my recertification request was approved.

So I'm confused as to what outstanding request there could be? And also the title of the message was "Correspondence Processing Delay," in that they're delayed in sending me a Correspondence?

Anyone had something like this happen or have any insight?

I have been avoiding everything to do with my student loans. I know it’s terrible but I just get overwhelmed and frustrated. I just received an email from nelnet about my save repayment ending in 90days. What should I do? What plan do I pick? I did not finish college or graduate and I don’t make much in the current job I have.

I have both undergrad and graduate student loans. I’m in the process of trying to place my student loans in IDR. All my undergraduate loans are already place in, but my grad school loans are not. I’m not sure how to get them into IDR. Do I have to reapply?

I have problems with my educational loan sss lately. Nag babayad naman po ako, not on time but if I do pay, I pay for the months that I’ve skipped. My longest skip was 4 months which was december to march, i paid my ammortization on April, everything was setteled. My loan was 20k in total, may mga months talaga na nakaka pag skip ako kasi kulang talaga sa budget. From 2025-present i’ve skipped 9 months but not consecutively, it just so happens na nag skip ako uli consecutive 3 months nung aug-october. But binayaran ko ngayon yung na skip ko. Last July 2026, my total obligation amount was only 7,000+ (which i was so happy about kasi malapit na akong matapos). Pagdating ng august-september, di ako nakapag bayad ulit kasi nga ma short, so to cut this shortly, pag check ko now sa statmenr ko, yung total obligation amoint ko is “30K+” which na shock ako, kasin in span of 2 months and a hald ganon kalaki yung babayarin ko? Tapos last july naka lagay 7k lang. I was confused, they said their E-Center tellers cannot answer my questions, because only their admin can answer daw. But is it really possible for this to jump this high? Ang alam ko may penalty pero hindi naman ganon ka taas diba? From 7k to 30k? 20+ yung itinaas? Naka skip nga ako ng 4 months pero di naman nag taas ha? Bat ganon? Pa explain nga po, naguguluhan po ako. Ialready paid 19,300 in total. From 2025-present.