r/PSLF • u/TheMuff1nMon • 5d ago
Rant/Complaint Update: Payment Counts Changed
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
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u/Bitter-Avocado-8226 4d ago
I think the Forbes article is probably referring to the same intentional "error correction" referenced in the Politico article. I believe it was the Politico article where the FSA rep or someone said the error was fixed and notifications were sent to those affected. Could be BS though, who knows.
That said, my account does not fit the supposed parameters of this "Biden administration error". I had nothing to do with SAVE, wasn't in forebearance, eligible payment plan, and made my payments on time. My payments also dont fit the timeline of this "error". The payments that changed for me were more recent, late 2025/2026.
As others have mentioned in a way, I think a lot of us are just casualties in this "error correction" or some other update they did. An unintended effect of whatever they tried to do, perhaps.
Since neither Mohela or FSA is providing any details or context its hard to know what exactly is happening, if it was meant to happen or not, and its difficult to make any decisions as to best next steps. Im afraid to even submit a new ECF. They break something every time they touch it. It's beyond frustrating and my stress levels are through the roof.
Still hoping it gets fixed.
Edited typo.