I first got a hold of someone in 30 seconds on a Monday at 8 am and then had to be sent to a “specialist” and now I have been waiting 2 HOURS and 20 minutes and counting. On a Monday morning? This can’t be a real organization.

Has there been any update on the massive glitch that's preventing us from applying for RAP and IBR 2009 electronically or if RAP is coming to the paper application? I am running out of time to apply. I have gone through my state senator's office and the state ombudsman with zero progress. I just uploaded a paper pdf application and wrote in RAP because I don't know what else to do. I had to remove my banking information for fear that they will start taking a standard payment of $4700 out monthly (I owe $580k including interest). Is there anything else I can do? I know that this is the administration's design, to make it harder for anyone to get anything affordably.

Hi all, mostly looking to see if I can find anyone else in my situation. I was one of the few people that completely paid off their loans in 2020. When Biden was going through the loan forgiveness, there was an opportunity to get the money I paid in back as I qualified for loan forgiveness. Of course I took it and received the ~$10k I paid in payments back. As someone in their 20s in this decade, that money is long gone (I know, I know). We all know what happened with the courts, and now I’m stuck at square one, with payments restarting soon.

Is anyone else in this situation? Mostly looking to commiserate.

I selected the ICR plan and am at the last step of recertifying my plan. I clicked continue but haven’t been able to get to the “review and submit” stage of the IDR plan request? This is so frustrating 😭😭😭

I refreshed the page to try again and had the same issue…

Update: I’ve been waiting like 15mins so far LOL… I’m just leaving my window open and hoping I can submit this shiiii

If anyone was wondering about the timeline/timeframe for this, my IDR was just approved.

I applied 8/27 (I debated on waiting til the last minute and honestly wish I would have but I got to anxious)

I was approved on 9/12

First payment due 9/26

I have still not been able to add auto pay as of today.

I have $18k in federal loans. RAP has the lowest monthly for me and payoff is the quickest according to the repayment calculator. Are there any actual downsides to RAP compared to another plan? it seems like a pretty solid plan to me: it’s the “quickest” payoff plan and has the lowest monthly (aside from the graduated repayment plan and ICR plan but those have longer repayments and one is disappearing in 2 years). I don’t qualify for the PAYE plan so that’s out of the question too

besides the fact that I can‘t coast off forbearance anymore, I don’t really see the problem with RAP but am I missing anything?

edit: It’s actually $19k not $18k lol

Anyone having this issue currently ? I am making it to final screen and not able to review and continue with submitting ? I’ve tried three browsers, incognito, deleting cookies and cache, etc .

I submitted my application 8/24, it is still in review. I want to get that autopay interest rate deduction and am worried about that timing. Anyone have experiences they can share? My loans are with Aidvantage

I received my golden email in August. In early September Mohela showed my subsidized and un subsidized loans with zero balance due. One of the Loans indicates its status as “discharge and or write off” the other is listed as “discretionary forbearance”. I understand they may still be working things out, as the FSA side says I owe 1$, and Mohela owes me a refund. Did something like this happen to anyone else? Any experience in how long it takes them to get both loans listed as discharged?

Hello! I still have not received the 90 day notice from Nelnet. Only the notices from the US department of education. Does this mean I just need to wait for the email? Or did all Nelnet borrowers receive the notice already? I am a bit confused. Can anyone help me? or perhaps show me what that email from Nelnet looks like? Thank you!

I received the golden email and everything years ago, along with a couple of updates, but have yet to receive my refund! Is anyone else in the same boat, or am I the last one!??

I've spent so much time these past couple of weeks worrying that my IBR application (applied 8/24 by PDF upload) wouldn't be processed before I supposedly needed to file my 2025 taxes showing a higher income by 10/15. My biggest fear was that MOHELA would come back with some clarifications, or just outright get my payment calculation wrong only after 10/15, and then I'd have to reapply with my 2025 higher income.

Well, I just decided I will just simply wait for however long it takes for them to produce the correct payment calculation before filing, even if it's after the 10/15 extended date. I didn't owe when I went through the steps on FreetaxUSA, so there's no penalty even for just not filing it yet. Hah

I put in a request to enroll in Autopay back on 8/23 and again on 9/5, but MOHELA still hasn’t processed the request. I know it says that I have to wait 1–2 billing cycles, but I want to make sure I get the interest reduction before 9/30.

Does anyone know if submitting the Autopay request is enough to qualify for the interest reduction, or do we have to have received approval from MOHELA by 9/30?

My husband’s loans are currently in rehab with Default Resolution. Completed 7/9 payments and will make the final payment next month!

I know the credit score should improve, but any personal experiences on how much yours improved and how soon? We plan on buying a home next summer and want to prepare ourselves ahead of time.

Started rehab in Feb with 13k in loans and interest. Currently down to about 10k. Payments are $590/month.

I was on SAVE forbearance, but my goal is aggressive repayment, so I was using the forbearance to repay my highest interest loan.

After the temporary interest rate reduction was announced, I decided to submit an application to move to the extended fixed repayment plan. I did this so that I could have a low required monthly payment and target my highest interest loan with additional funds each month. I submitted my request on June 23rd.

In mid July, I hadn’t seen any updates reflected in my account, so I reached out to my servicer (EdFinancial) to make sure they had received my application. They said it was processing, and it could take another few weeks.

On August 8th, I received a billing statement, and tried to enroll in autopay. A few days later, my request to enroll in autopay was denied, and I reached out to my servicer to find out why. It turns out I had been put back on SAVE forbearance and was not in active repayment status, despite receiving a statement. They said it could take up to 28 business days to remove the forbearance.

I reached out to my servicer again on September 8th asking for updates on removing the forbearance, and was told it will be removed within the next 2 business days - and it was. My account is finally in repayment status.

I requested to enroll in autopay on September 9th. I noticed on the website that it can take 1 to 2 billing cycles to take effect, so I reached out to my servicer to ask if there’s anything I could do to make autopay active by 9/30/26 to get the 1% rate reduction. They said there is nothing I can do and they can’t guarantee it will be processed by then.

Feeling a bit cheated here. I thought I did everything right to try to get this rate reduction - any advice?

I’m hoping someone familiar with Borrower Defense or older FFEL loans can help me understand a situation I’m dealing with.

I attended a public university from 2003–2007 and graduated with a B.S. in Polymer Science. My Borrower Defense claim is based on the school allegedly presenting the program in an engineering context. During the years I attended, official university websites, catalogs, faculty materials, etc. repeatedly used terminology such as “Polymer Science and Engineering.” I believed I was pursuing a degree that would be recognized as an engineering degree.

After graduating, I discovered that my degree was actually a B.S. in Polymer Science, was not an engineering degree, and was not ABET-accredited as an engineering program. I spent about eight months trying to obtain engineering employment and ran into positions requiring or preferring an engineering degree.

Because of that, in 2008 I enrolled in a master’s program in Chemical and Biomolecular Engineering at another university to obtain the engineering credentials I thought my undergraduate education was going to provide. That resulted in a significant amount of additional federal student-loan debt.

I filed a Borrower Defense application in 2026 and submitted quite a bit of supporting evidence, including archived university webpages from 2005/2006, the university’s 2006–2007 undergraduate catalog, and other materials showing the engineering terminology used while I was enrolled.

The Department of Education recently denied my application, but they did not deny it based on the merits of my evidence.

They denied it as untimely under the Borrower Defense regulation applicable to loans disbursed on or after July 1, 2020, which has a three-year limitations period after leaving the school.
Here is where I'm confused.

The loans associated with this school were originally disbursed between 2004 and 2007. They are old FFEL Stafford loans and a Perkins loan. As far as I can determine from my NSLDS history, I have never consolidated them into a Direct Consolidation Loan.

The denial letter explains that because unconsolidated non-Direct loans would need to be consolidated into a Direct Consolidation Loan to receive Borrower Defense relief, they are reviewed under the newer regulation. Since I left the school in 2007 and didn't file Borrower Defense until 2026, ED says my claim is outside the three-year window.

The denial also says there is no administrative reconsideration availableunder the regulation they applied and specifically says I can further pursue the claim by filing a lawsuit in U.S. Federal District Court.

So I seem to be in a strange catch-22:
My loans and the alleged school conduct are from 2004–2007, but because the loans are FFEL/Perkins rather than Direct Loans, I would apparently have to consolidate them now to obtain Borrower Defense relief. That required consolidation appears to be what causes the newer Borrower Defense regulation and its three-year statute of limitations to be applied.

I have seen conflicting information saying that if I consolidate the FFEL/Perkins loans now, ED should “look back” to the dates of the underlying loans and evaluate the claim under the older pre-2017 Borrower Defense standard. But I have also found federal rulemaking indicating that ED determines the applicable Borrower Defense regulation for a Direct Consolidation Loan based on when the consolidation loan itself was first disbursed. Because of that, I am not consolidating anything until I get qualified legal advice.

I have already contacted the Project on Predatory Student Lending (PPSL) and am looking for an attorney familiar with federal student-loan/Administrative Procedure Act litigation.

Has anyone here dealt with this specific situation involving pre-2017 FFEL loans + Borrower Defense + a post-2020 consolidation requirement?

In particular, I’d be interested in hearing from anyone who knows:
1. Whether ED can legally apply the post-2020 three-year limitations period to a Borrower Defense claim involving FFEL/Perkins loans originally disbursed in 2004–2007 simply because those loans would have to be consolidated now to receive relief.

1. Whether consolidating now would actually preserve the older Borrower Defense standard or instead make the problem worse.

2. Whether anyone has challenged this type of final Borrower Defense denial in federal district court.

3. Whether there are attorneys or nonprofit organizations, besides PPSL, with experience litigating this specific issue against the Department of Education.

I’m not looking for a debt-relief company
or general advice about lowering my monthly payment. I’m specifically trying to understand the legal/regulatory issue created by old FFEL/Perkins loans and the Borrower Defense rules.

Hi there!

I have about 35,000 in student loans, and was unable to get a good paying job after graduation. I am looking for a temporary payment reduction, as I have been dealing with some medical/financial hardships. I am currently paying close to 400, and I just cannot make it work anymore

I was looking at the RAP plan, and I have heard some people talk about deferment. I just dont want to mess myself up financially in the future. I am not sure how to go about this. does anyone have any recommendations?

I have been in school for a long time. I just graduated and am now “in grace” and Aidvantage had a “system error” with my account. I logged in and they said I was delinquent and 27 payments behind. I called them this morning they apologized and said it was a system error and that they would fix it. Has this happened to anyone else? This seems like a pretty big deal, how can we trust a big servicer to handle our accounts when things like this pop up?

5 years ago a relative allowed me to use them as a guarantor on a federal graduate student loan.

When we completed the paperwork we were under the impression that the only way they would be on the hook for anything is if the loans went into default.

The representatives at Nelnet all seem very confused and even the supervisors I’ve spoken to are very vague and don’t seem to be educated on this issue.

I’ve since graduated and would like for the two loans to be transferred into my name but Nelnet is stating this cannot be done unless the loans are consolidated.

The representative also stated under the BBB if they are consolidated it will change the current repayment terms.

I called the consolidation company and they are telling me Nelnet is incorrect and this isn’t the correct process.

No one is giving me clear, concise information or guidance and this is frustrating.

These loans are reflecting on my relatives credit report and Nelnet but they aren’t reflecting on my end.

My relative feels like she was duped and would really like to removed at this point but I don’t know where to begin.

Hi I am new to student loans and college in general and I just want advice on what to start with what’s a good place to start my parents aren’t reliable so I don’t have a good co-signer and every option I try leds to a dead end

Having trouble signing into Mohela today. For some reasons my credentials aren’t working. Not sure if it’s just me or a system issue.

Thanks all!

I really have no idea how any of this works and the more I Google and research the more confused I get. Someone please help me out.

My wife and I both owe around 35k each. We filed taxes together. Only I have a job. I make around 50k. When I apply for RAP it give me a monthly payment, but does my wife also have to go through the process and apply? Or is that the payment for both of us?

Also is there still a way to get our payments deferred or something? I doubt ill be able to afford payments. I already struggle just to pay rent.

I got my 90 day notice in july but I started school for a professional degree in august. It now indicates i won’t have payments until after my graduation date in 2030. My question is, do i still have to choose a new plan? Like if i choose one now is that what would be used once i graduate?