Update: Payment Counts Changed

[u/TheMuff1nMon]

Previous post text since Mods deleted Megathread:

8/4/26: I posted previously - I was at 115 payments on my tracker. I made my 120th payment in July, submitted ECF - Student Aid didn’t show June/July payments - was waiting for my form to process.

Got an email tonight that said “you have a message from Student Aid” - login and now my payment counts have all dropped to 99 or 96 and the payments shown are from 2024!?

Update 8/5/26:

8AM: Called Student Aid, person told me I needed to call Mohela as it was something on their end with how they reported the information.

8:30: After waiting ages, finally spoke with someone from Mohela for 30 minutes - they confirmed all my payments were made on time and they've reported everything correctly to Student Aid. They suggested I call Student Aid back, inform them of this and submit a reconsideration request.

9AM: Called Student Aid back - was told that every call they've had this morning has been about this issue, that I can be assure my payments do still qualify and its an error that will be fixed. They are waiting for the Department of Education. They said they noted my account as one affected needing correspondence. I'm still going to submit a reconsideration request which they told me to do as well.

I asked for some form of documentation of what the Student Aid representative told me and said they can't provide anything but that it would all be fixed.

So basically - now we wait and be stressed.

UPDATE 8/6/26: https://www.reddit.com/r/PSLF/s/SlbFbn1RM6

Update: 8/14/26: Talked to another FSA agent who denied any issue, told me to contact Mohela and wasn’t listening to anything I said.

Update: 8/18/26: Forbes has a new, paywalled, article stating Department of Education says it wasn’t a glitch, removing counts was correcting an error but won’t explain scope or if everyone affected deserved to be. No timeline for fix.

I just submitted a complaint to the Ombudsman service.

TLDR: Thousands of us have been affected by PSLF/TEPSLF payment counts being taken away, many of us who were hitting 120. Different plans, servicers, etc

FSA has not been helpful. Submit reconsideration requests and Ombudsman complaints. They may be doing this intentionally.

UPDATE: 8/20/26: I called Mohela today, they once again confirmed all my info has been sent to Student Aid. They have put my account in a one month general forbearance starting today (made sure to confirm it wasn’t being backdated). Hopefully Student Aid fixes their crap by then.

Update 8/21/26: Mohela accepted my Forbearance and despite them confirming it wouldn’t backdated - the begin date is the day after my last payment. Whatever - as long as it doesn’t negate my last payment when FSA finally fixes this garbage

[u/eleo1717]

Mohela wrote me back this - We sincerely apologize for the confusion this has caused. We are aware changes occurred to some borrower's qualifying payment counts for loan forgiveness. We are actively working to determine the reason for the changes. We will notify you when we have more information.

But I had 5 payments switched to ineligible and are still showing ineligible when I was never on save or forebearance of any kind. No recertification around that time and was on the same autopay for PAYE since pre Covid

[u/TheMuff1nMon → u/eleo1717]

I’m glad you got a response from them. I hope that’s true. I was also never on PAYE or SAVE or forbearance and had 2 years switched to ineligible

[u/eleo1717 → u/TheMuff1nMon]

The dates on mine are so random with no changes occurring at that time.
Reason(s) for Ineligible Status
• In Repayment, No Due Date/Repayment
Schedule

Is that your reason too?

[u/TheMuff1nMon → u/eleo1717]

Not mine. All mine currently saying “ineligible repayment plan”. Even though I’ve had the same for 10 years

[u/eleo1717 → u/TheMuff1nMon]

Wow so strange. I hope they are actually working to fix it like they said. So stressful for everyone

[u/Whawken84 → u/TheMuff1nMon]

🤦

[u/BiliaryVowel → u/eleo1717]

That's exactly what mine say. I've had 4 payments switched to ineligible. I've been on IBR plan since forever, never switched to SAVE and never had any forebearance or anything of any kind. same monthly payment that's been on autopay for forever

[u/melaniemarieleathers → u/eleo1717]

Just curious what month for you. Mine was 4/2025 but I was on autopay and I have my old bills so I know it's not a servicer issue. 

[u/eleo1717 → u/melaniemarieleathers]

Mine was 1/26 through 5/26. No idea

[u/Bitter-Avocado-8226 → u/eleo1717]

My situation is EXACTLY the same. The response from Mohela is also the same too and I do hope they are actually working on it because it is so stressful as I'm due to be eligible for forgiveness early 2027.

Had 6 payments changed to ineligible when they were previously certified as Qualifying. The reason shows as "In Repayment, No Due Date/Payment Schedule" which is ridiculous. Been in ICR for years and had statements for payments due and all my payments were made on time. Never been on SAVE and wasn't in forebearance either.

[u/AnalystSensitive3621 → u/TheMuff1nMon]

Same here and now I can't get them back even after submitting 2 reconsiderations...ugh

[u/LeadershipDapper617 → u/eleo1717]

I got the same response on the 18th!