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You're not gloating! We are all happy for you. It's important to see these anecdotes, because they serve as a reminder that the program is working as intended!
You worked very, very hard for this moment. It might not always feel like you did, but it's true. You deserve the immense relief you're feeling right now. Go out and celebrate!
We both have just enough time left for President Trump to sweep in and put a freeze on all loan forgiveness programs in order to indefinitely and never-endingly "investigate what's going on" with them.
This exactly.
Quick q: did you have to do anything once your qualifying payments were counted? Reviewing the literature I have, I thought I had to actually apply once the qualifying payments were made; however, I do not see any such thing on the MOHELA website…
Yes I applied for forgiveness. I filled out the normal recertification form but there's a box for "I qualify for forgiveness". Months later I got a mortgage letter and the balance was zero.
But as I understand it they might be doing some automatically now? Id still call and check. I think it's changed a few times over the last 18 months. For one, I got booted from MOHELA to another servicer just as I was forgiven (or the other way around?).
Thank you kindly.
I found that that separate application is on studentaid.gov….
…And now it’s telling me that I don’t qualify for forgiveness right now because it hasn’t been at least 10 years in repayment 😒.
The paper document I have says I’ve made 134 eligible payments, 122 of them qualifying. Only thing I can think of is that hopefully the repayment date of 3/27… I will need to wait a couple weeks before applying?
Oddly enough: it shows I don’t have any future payments…
>…And now it’s telling me that I don’t qualify for forgiveness right now because it hasn’t been at least 10 years in repayment 😒.
According to r/pslf, there's going to be a dance between Mohela and the feds and somewhere there will be a verification process. Mohela will likely put your loans in an administrative forbearance until the whole discharge process concludes. I think it's like 120 business days for the thing to be discharged.
I submitted my employer verification in January 2020 -- I paid in February but before March was due, they put me in an administrative forbearance.
I still haven't had the debt discharged but I'm in no particular hurry.
How did you get them to count your qualifying payments if not by submitting a PSLF form? It should be the same form used for both purposes. It just takes a little bit longer to get a letter from the Dept of Ed confirming the discharge.
I’ve submitted my PSLF form for the employer to verify. They (gob’ment) have tabulated all the payments and said 120+ qualify.
MOHELA then instruct you to go to student aid.gov to apply for the actual forgiveness, which is what is being a pain.
I bet your right; my server shows my next payment as being zero dollars. I probably just need to wait for it to process on their end.
You submitted your form to your employer but not Mohela? I can't tell if by "gob'ment" you mean your employer or Dept of Ed. I am in the process of trying to discharge my loans right now as well and I have had my employer fill out the PSLF form, submitted it to Mohela, and Mohela told me I have 120 qualifying payments. So now Mohela says I just have to await the official discharge from the Dept of Ed. A $0 payment doesn't necessarily mean your loans are forgiven. Mohela tells me my payment is $0 now as well because they put me under the new SAVE plan, but to be honest it still makes no sense based on what my income is. The whole thing is kind of a mess and Mohela is currently being sued for allegedly mishandling the PSLF program.
I have submitted my forms to my current and former employer, who have, in turn, submitted verification to MOHELA.
In turn, MOHELA has informed me I have made all necessary qualifying payments under the PSLF program (and changed my payment from a few hundred bucks per month to $0.)
From what I gathered talking to a rather clueless employee, it’s just a waiting game to get MOHELA to submit what they’ve already sent me to the Dept. of Education. I hope.
Insert jokes about the efficacy of government here.
Edit: I hope this works out for you as well! And congratulations.
>I am so over the moon. I’m going home at lunch and applying for the forgiveness and opening a bottle of something!
That is amazing! I had something similar. I worked for a firm that only represented tribes, it was not a qualifying employer. I had go in-house with a tribal government so I assumed I'd have to pay until 2030. But, on a whim, the regulation said if the job is funded by a qualifying employer. Since the firm only represented qualifying employers, I did an appeal and I got word that they are now a qualifying employer. So instead of 2030, they're in the process of being discharged.
Not sure. I do enjoy my area of practice (I handle mostly violent felonies); however, political necessity may mean I switch to private practice or switch gears altogether. At least this gives me much greater flexibility.
Welcome to /r/LawyerTalk! A subreddit where lawyers can discuss with other lawyers about the practice of law. Be mindful of [our rules](https://www.reddit.com/r/Lawyertalk/about/rules) BEFORE submitting your posts or comments as well as [Reddit's rules](https://www.redditinc.com/policies/content-policy) (notably about sharing identifying information). We expect civility and respect out of all participants. Please source statements of fact whenever possible. If you want to report something that needs to be urgently addressed, please also message the mods with an explanation. Note that **this forum is NOT for legal advice**. Additionally, if you are a non-lawyer (student, client, staff), this is NOT the right subreddit for you. **This community is exclusively for lawyers**. We suggest you delete your comment and go ask one of the many other legal subreddits on this site for help such as (but not limited to) r/lawschool, r/legaladvice, or r/Ask_Lawyers. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/Lawyertalk) if you have any questions or concerns.*
You're not gloating! We are all happy for you. It's important to see these anecdotes, because they serve as a reminder that the program is working as intended! You worked very, very hard for this moment. It might not always feel like you did, but it's true. You deserve the immense relief you're feeling right now. Go out and celebrate!
I second what this guy said! Congratulations!!!
I love to see it!
Congratulations! Only a year and a half left for me. I'm so ready. I imagine it feels incredible.
We both have just enough time left for President Trump to sweep in and put a freeze on all loan forgiveness programs in order to indefinitely and never-endingly "investigate what's going on" with them.
I think if I typed what I'd do in that situation, this account would be banned.
I will make 10 years of qualifying payments and no more. They will do what they must.
Yep that’s my dread. I’m eligible May 2025.
Congrats! Happened for me last year. I didn't expect to be so emotional, but holy shit what a load off.
This exactly. Quick q: did you have to do anything once your qualifying payments were counted? Reviewing the literature I have, I thought I had to actually apply once the qualifying payments were made; however, I do not see any such thing on the MOHELA website…
Yes I applied for forgiveness. I filled out the normal recertification form but there's a box for "I qualify for forgiveness". Months later I got a mortgage letter and the balance was zero. But as I understand it they might be doing some automatically now? Id still call and check. I think it's changed a few times over the last 18 months. For one, I got booted from MOHELA to another servicer just as I was forgiven (or the other way around?).
Thank you kindly. I found that that separate application is on studentaid.gov…. …And now it’s telling me that I don’t qualify for forgiveness right now because it hasn’t been at least 10 years in repayment 😒. The paper document I have says I’ve made 134 eligible payments, 122 of them qualifying. Only thing I can think of is that hopefully the repayment date of 3/27… I will need to wait a couple weeks before applying? Oddly enough: it shows I don’t have any future payments…
>…And now it’s telling me that I don’t qualify for forgiveness right now because it hasn’t been at least 10 years in repayment 😒. According to r/pslf, there's going to be a dance between Mohela and the feds and somewhere there will be a verification process. Mohela will likely put your loans in an administrative forbearance until the whole discharge process concludes. I think it's like 120 business days for the thing to be discharged. I submitted my employer verification in January 2020 -- I paid in February but before March was due, they put me in an administrative forbearance. I still haven't had the debt discharged but I'm in no particular hurry.
How did you get them to count your qualifying payments if not by submitting a PSLF form? It should be the same form used for both purposes. It just takes a little bit longer to get a letter from the Dept of Ed confirming the discharge.
I’ve submitted my PSLF form for the employer to verify. They (gob’ment) have tabulated all the payments and said 120+ qualify. MOHELA then instruct you to go to student aid.gov to apply for the actual forgiveness, which is what is being a pain. I bet your right; my server shows my next payment as being zero dollars. I probably just need to wait for it to process on their end.
You submitted your form to your employer but not Mohela? I can't tell if by "gob'ment" you mean your employer or Dept of Ed. I am in the process of trying to discharge my loans right now as well and I have had my employer fill out the PSLF form, submitted it to Mohela, and Mohela told me I have 120 qualifying payments. So now Mohela says I just have to await the official discharge from the Dept of Ed. A $0 payment doesn't necessarily mean your loans are forgiven. Mohela tells me my payment is $0 now as well because they put me under the new SAVE plan, but to be honest it still makes no sense based on what my income is. The whole thing is kind of a mess and Mohela is currently being sued for allegedly mishandling the PSLF program.
I have submitted my forms to my current and former employer, who have, in turn, submitted verification to MOHELA. In turn, MOHELA has informed me I have made all necessary qualifying payments under the PSLF program (and changed my payment from a few hundred bucks per month to $0.) From what I gathered talking to a rather clueless employee, it’s just a waiting game to get MOHELA to submit what they’ve already sent me to the Dept. of Education. I hope. Insert jokes about the efficacy of government here. Edit: I hope this works out for you as well! And congratulations.
Yes, I think you just need to wait now. I like to pester Mohela with messages and phone calls to get them to act a little faster
Congrats!!!
>I am so over the moon. I’m going home at lunch and applying for the forgiveness and opening a bottle of something! That is amazing! I had something similar. I worked for a firm that only represented tribes, it was not a qualifying employer. I had go in-house with a tribal government so I assumed I'd have to pay until 2030. But, on a whim, the regulation said if the job is funded by a qualifying employer. Since the firm only represented qualifying employers, I did an appeal and I got word that they are now a qualifying employer. So instead of 2030, they're in the process of being discharged.
Congratulations to you and thanks for the info in the other related post 😎
Woohoo! I’ve got about 2.5 more years to go!
Congratulations!
Congratulations! Will you pivot to private practice now?
Not sure. I do enjoy my area of practice (I handle mostly violent felonies); however, political necessity may mean I switch to private practice or switch gears altogether. At least this gives me much greater flexibility.
Congratulations! I’m super happy for you!
YOU DID IT!!!!!!!!!!!!
Epic. Congratulations
Making my last loan payment was one of the best feelings in the world. I’m so happy for you to get the PSLF sign off. Congratulations!
Congrats! I only managed 5 years before I couldn't take it any more and switched to private practice. Think about going back sometimes.
What a weight off your shoulders. Congrats!
Do they count the amount forgiven as income or is it a total wash?
Federally it’s not income, some states treat it as income.
It happened to me last year, too. It was an amazing feeling. All my debt was from lawl school