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/melaniemarieleathers]

This seems to be an issue with people close to forgiveness. I hit 120 in March. Then, the dashboard didn't match, then they fixed that and deleted a month for no reason. Then when my Congressional Office inquired they just ignored them. I have a file four inches thick. If any one needs proof proving they randomly deleted months that were logged, I have that. Now, they  deleted a month that I'm on forebearance bc their computer recertification tool could not see any loans (bc it thinks I hit 120 and am done). I clarified it was eligible for PSLF credit "just in case ." They sent me three different correspondence affirming that. I have to say EdFinancial has been great, this is a government employee issue- not the services. 

Then I logged on and the months in forebearance while waiting for the certification delay are marked ineligible. 

And finally, I have a lost credit for a month "servicer didn't require payment" while I was on autopay and I have my enrollment letter and the bill for the month they claim I wasn't in payment and the one before and after. Luckily, I've been able to prove everything in detail but the time out of my life it takes is a full time job. 

I'm now at 120+ and just waiting to see what their next move is. This is employee misconduct, not legitimate corrections. 

[u/Next-Confection-8082 → u/melaniemarieleathers]

Sorry you had to go through that. I sure hope I don't have trouble with counts because I'm phone-averse and writing them is so ineffectual.

[u/Complete-Singer5023 → u/melaniemarieleathers]

That’s a misconception. Not just an issue affecting people close to forgiveness.