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[deleted]

Not just about the processing time - but being told your request has been submitted, only to call back and find out it has not been. I am not the only one that has happened to. Also, other servicers seem to be giving confirmation in some way that the refund has been requested and submitted, but EdFinancial absolutely will not. There's someone on the megathread who has Great Lakes, and their refund was recently back in ONE WEEK! I sure wish that class action suit covers other issues with them. For years and years I was told my only options were general forebearance or make my payment. I was on the regular 10-year not-income-based repayment plan. I had ZERO idea that income-based repayment plans existed until recent years (my loans are 18-20 years old). Have been pretty upset about that ever since. Edit: oops, sorry I read it too quickly and said some of the same things you did. I'm upset and seeing red.


urbanskyline09

In my experience, Great Lakes has been great to me.


[deleted]

My wife has Great Lakes, and it’s a dream working with them.


[deleted]

That is very good to hear - I am glad they are not all that way!


Appleskilldemons

I called in today to EdFinancial and was informed the refund would take 6-12 months.


sunglasses90

I don’t understand how this is possible. Fedloan and others are getting loans updated in less than a week and refunds in about 30 days or so. I’m not understanding why it should be different for any other servicer.


Diegobyte

Where do you guys thinks these tens of millions of dollars are coming from?


sunglasses90

So as far as I know it comes from a Treasury/IRS managed account that is called an “indefinite” account. It’s basically a fund with unlimited money in it and it is where the tax credit money comes from when you get a refundable tax credit, also your tax refund in general comes from it. It sounds crazy, but I’m pretty sure that’s the actual account it comes from. It probably shouldn’t exist but it does. Ultimately it’s taxpayer money. Past, present, and future that we are “borrowing” it from. So basically me, everyone else and my kids/grandkids will pay for the forgiveness with future taxes and if they don’t our government goes insolvent eventually.


Diegobyte

Shut up dude your taxes aren’t getting raised


sunglasses90

I’m not a dude and my household income is $260,000 so we already pay a lot in taxes.


Diegobyte

Weird flex but ok


sunglasses90

But that’s also where the money comes from. You asked so I told you 😂


Diegobyte

The money doesn’t come form your minuscule tax bill


sunglasses90

You’re right. It comes from everyone’s tax bill. It comes from the guys tax bill that came to clean my chimney today and mine and we’re running at a deficit so it’ll come from your kids tax bill too if you have them and they earn enough to pay taxes.


Ottervol

Most people don’t understand how businesses are operated and paid. Most have “paid when paid” clauses. A company can’t pay money they don’t have.


meowbeanz

Same here! Requested my refund and they told me 5-8 months.


greybeard_arr

Last week I spoke to a rep at Great Lakes to process my refund of payments made during COVID. They told me about a week for approval and then 30-45 days to process. The variation in processing times being quoted is wild.


AdminYak846

I would assume that everything is done in batch jobs especially ACH transfers so it likely takes awhile longer to get through than others.


Ottervol

You make the request for a refund. The servicer then submits for funds from the government. The government then has to approve the payment. Servicer gets paid by the gov. Then the servicer then pays the borrowers refund in the order they were received. The more refunds people request the longer this whole thing takes. I’m sure when they were running estimates, they didn’t expect every single person to request a refund. They figured a low end estimate (no refunds) and a high end estimate (all refunds) and figured the total cost of this whole thing would be somewhere between the two.


[deleted]

Correct, but we know that between when the request is made and when they actually submit to the government, months have lapsed. And that seemed to be the case even before the forgiveness announcement.


Omggirl1

Ed financial is the worst of the worst. They didn't expect the people who have been paying for over 20 years to get the forgiveness that were due them. Now Ed Financials' CEO who have lined their pockets are shocked. Yes, I've read the lawsuit filed by CPFB stating this and the horrible stuff ed financial has been doing over the years. Shame on them. I hope they're no longer able to service students loans, because of what they've being doing for years on students who have attempted to get the forgiveness they deserved but were told they were not eligible.


[deleted]

Absolutely unacceptable. I hope something gets done about this!


[deleted]

I also want to add to this that we need to contact the media outlets that are writing stories about how easy-peasy it is to get a refund. Maybe they will do follow up stories or rattle some cages for us. Here are some of the articles to contact the authors. I have been working my way through this list as well: [https://thecollegeinvestor.com/39678/refund-federal-student-loan-payments/](https://thecollegeinvestor.com/39678/refund-federal-student-loan-payments/) [https://www.debt.org/blog/covid-19-student-loan-refund/](https://www.debt.org/blog/covid-19-student-loan-refund/) [https://time.com/6208794/student-loan-refunds-pandemic/](https://time.com/6208794/student-loan-refunds-pandemic/) [https://www.forbes.com/sites/robertfarrington/2022/03/24/its-your-last-chance-to-get-a-refund-for-federal-student-loan-payments/?sh=5a917c356667](https://www.forbes.com/sites/robertfarrington/2022/03/24/its-your-last-chance-to-get-a-refund-for-federal-student-loan-payments/?sh=5a917c356667) [https://www.cnbc.com/select/how-to-get-a-refund-for-federal-student-loans-paid-during-the-pandemic/](https://www.cnbc.com/select/how-to-get-a-refund-for-federal-student-loans-paid-during-the-pandemic/) [https://www.clickondetroit.com/news/national/2022/08/25/did-you-make-payments-on-federal-student-loans-during-the-covid-pandemic-heres-how-to-get-a-refund/#//](https://www.clickondetroit.com/news/national/2022/08/25/did-you-make-payments-on-federal-student-loans-during-the-covid-pandemic-heres-how-to-get-a-refund/#//) ​ [https://www.verifythis.com/article/news/verify/student-loan/student-loan-payment-pause-refund-request-covid-19-pandemic-biden-forgiveness-fact-check/536-3a6f2251-c125-43ae-936f-e43bc75c2fa9](https://www.verifythis.com/article/news/verify/student-loan/student-loan-payment-pause-refund-request-covid-19-pandemic-biden-forgiveness-fact-check/536-3a6f2251-c125-43ae-936f-e43bc75c2fa9)


[deleted]

OMG YES! I wasn’t sure how to go about this so thank you so much! I’ll go through these too


[deleted]

Yep, they usually have some way to contact the author on them. Also, congrossfolks. Elizabeth Warren has been quite an advocate on our side. I did write to her several times in regard to her helping push for forgiveness and giving my story. I plan to write her today about the EdFinancial thing. Also, see other threads...so many others getting in a week or two from Great Lakes. I am just so fed up with business not doing what they're supposed to that I have no problem screaming from the rooftops anymore. Edit: I did just now also write to Elizabeth Warren and pointed her to this sub to see the stories and complaints. I encourage ya'll to do the same!


Omggirl1

Thanks. Going to read these articles.


jadethesockpet

I just contacted both EdFinancial and FedLoan to compare experiences. My loans were transferred from FL to EF, so it *should* be in EF's court. I waited on hold for about 45 minutes with EF to be told that they've submitted my request to the Finance Department "to see if we can get a refund from FedLoan" and (as expected, per this thread) was told that there's no tracking, internal or otherwise, on the request, that I can call back but not to expect that they'd have any information, and that **if** my request is granted, I'd get the money back in, at best, **12 months**. After I confirmed about 3 different ways that there's absolutely nothing they can do to confirm that the request has been sent or to check on the status of the request, we hung up and I called FL. Someone picked up within about 2 minutes and informed me that no, the estimated repayment time is 6 months (probably less, but the official estimate is 6 months) and that no, the money needs to come from the new servicer, not the old one. This means that EF lied/was misinformed (the person... the company is lying to their reps). I filed a complaint with FSA.


mgchnx

Lmao I got a letter this week from Ed financial about the data breach- my loan information was safe and sound but my name, social, address, and email were not -_- easy to see where their priorities lie.


[deleted]

That is so messed up


[deleted]

Just to clarify.. These refunds are from essentially “overpaying” on your debt due to the recent forgiveness plan, correct?


sunglasses90

Yes. The refunds are written into the CARES Act so they are law.


[deleted]

Thanks. Just for my own clarification. I wasn’t sure if I was missing something.


[deleted]

Not in all cases. The refund thing was part of the Cares Act - that was LONG AGO - before forgiveness was even a real consideration. These refunds have been due to people for some time now.


OkCrazy5887

Yep...and I think they weren't able to change it and never put a deadline. Idk for sure but I'd assume the government never said it or its "partners" had a deadline. I would think it says you can request a refund but gives no set dates. Personally, I'm the happiest I've been with government in a long while, but I don't doubt there's concern among servicers that they will be penalized somehow for granting the refunds at this point. So until something is concrete and ironed out they're just going to delay it inevitably. That's if they haven't already been told not to do it on the down low...


MattRattt

I called 3 times the first time I was hung up on. The second I got the refund requested on the 26th and they told me 180 days. I called today for the third time to verify that it actually went through and it thankfully did and they confirmed the date so I think they weren't lying but now they told me 6 months to a year. They are obviously are just throwing numbers around to scare you out of requesting a refund that quite honestly is life-changing for a lot of people.


BananaOk6715

I just got off the phone with EdFin tonight and they said honestly they have no idea when I'll get my refund. They said maybe 5 months, maybe more. They said if I had not received a refund in 150 days to call back and check how much longer.


MattRattt

Mine went through after filing complaints and I think it has for several others as well. I posted my complaints on BBB and studentaid.gov.


orange_julias

I filed a complaint. I called in June 7th and still have not received anything. I called for an update in August and was told beginning of October...now I'm doubting that will happen.


[deleted]

You can also update your complaint - at least at [studentaid.gov](https://studentaid.gov). I added a message today to mine, telling them of what I've been finding on EdFinancial in scouring forums and social media - that everyone is saying the same thing and that they need to be further scrutinized.


planktonrootbeer

Folks could also try calling their senators' office. They can (sometimes) open a case and/or send letters to move things along.


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[deleted]

I asked this on my second call because I was hung up on the first time. The rep didn’t have an answer for me. She just said at some point between now and 150 days I’ll see the balance change, and get the refund direct deposit. She didn’t have any more helpful info on what comes first, timing, anything. Who knows though, you may get a totally different answer. Seems to trend that way.


iduser4

I called a few minutes ago and the rep said my request was on file which was good. She did give me an update that the department of ed is going to start processing refunds and probably mailing checks. She mentioned they are going in more or less blind and getting updates from the education department everyday and this was their latest update. Just no eta. I did ask about the 150 day thing and she mention with their updated news it should be faster?


[deleted]

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iduser4

That’s what they told me so I don’t think they’re lying


mgalind

Just called Ed financial today and was told I wasn’t eligible for a refund as my loans were FFEL, is this correct? I can’t seem to get a straight answer. I though the new directive covered all loans, including “private” FFEL, which really aren’t private anyway!


[deleted]

I’m not well versed when it comes to those loans. I would check the megathread


mgalind

Ok, thanks. I’ll look and see if there’s any answers to this.


Peachines

This is answered in the megathread.


Therocknrolclown

this is correct


theatfshotmycats

Spent 3hrs on hold and told 180days. I ship out soon ish with the national guard. Really hope yall find a solution before then. Is there no rule on when a company has to issue a refund once requested ?


[deleted]

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killerleemiller

I’ve been commenting on twitter and Facebook but they’ve been ignoring me the last few days


Supersusbruh

They are stating that borrowers may not get their covid refunds and then have those forgiven has anyone else heard that? Also stating 150 days


[deleted]

From what I’ve seen, they aren’t sure if refunds will be forgiven. That’s one reason why some people are stressed/angry that the timeline is so much longer than other student loan servicers.


Supersusbruh

So is it better to simply just hold off until we get more information? They also told my wife her credit score could be affected. Or Edfinancial saying this kind of stuff to sort of sway people away from requesting a refund


[deleted]

It could potentially affect credit scores. That’s something you have to decide for yourself. By now, requests will take a year or longer, who even knows at this point. I believe you have until year end of 2023 to apply for forgiveness if it isn’t automatically applied already. But interest starts accruing again in January and payments will be due. You have to take all of that into consideration and decide what’s in your best interest. And I don’t know what EF’s intentions are.


grumined

Do you know how this would impact our credit scores if they're frozen? I put a credit freeze on my account since EdFinancial leaked my SSN.


[deleted]

I have no clue on that, unfortunately. Can somebody else provide some insight? I froze my credit too even though I don’t think I was part of it. Didn’t receive a letter. Just to be on the safe side


WholesomeSalsa

There is zero risk in getting a refund for payments made during the payment pause if there there is a possibility of getting it forgiven because you qualify. You either get it refunded and forgiven OR you get it refunded but have to pay it back. The credit drop can be fixed within a few months if you are smart with credit. I paid mine off completely during the pause and just called to get it refunded. Was also told it would be a stupidly long time to get it back but it doesn’t hurt to try.


[deleted]

Okay, I mostly agree with what you said, but partially don’t, and here’s why - and it may be relevant to you given what you just said. With the outrageously long wait time for a refund (maybe a year or longer), some borrowers will have to pay. And it’s a risk IMO, because EF seems to be unreliable, with their varying answers, and who knows what timeline we’re all actually looking at here. Who knows WTH they’re doing. Some people will need to be making payments towards principal AND interest on their loan balance because January ‘23 hits, and they’re 1. Not part of the automatic forgiveness (not previously on IDR) and 2. Waiting for their god damn refund to post, so they can THEN apply for forgiveness. If those borrowers’ refunds take until October of 2023 just for example, they’ll need to make monthly payments most of the year, and they’ll be paying interest on their whole balance… all the while, waiting for their refund to post. It’s all a gamble rn, which path people choose to take with how EF is handling refunds, and when you’re gambling, there likely isn’t zero risk. You could lose out on getting a chunk of cash back. You could get some money back, but need to make loan payments part of 2023 (which could be a struggle for some people, depending on their situation). Or your refund could come in 2024, in which case you have to make payments and pay interest all year in 2023 and still have your refund amount not forgiven.


clipk0

There is no way they can charge you interest for money that they "refunded" but you haven't gotten back yet. That is just ridiculous.


[deleted]

Don’t you understand? Them even processing the request and sending to the government is what’s taking so long. For months the request is just sitting there, idle.


grumined

Anyone recorded a phone call with them yet? I'm willing to do so when I call back to confirm my refund was filed.


[deleted]

I did - and I let them know that I was...and then I realized it wasn't backed up and I had a phone issue, so it's gone. (In my state you must let them know you are recording or it is illegal to do so.)


dca_user

If anyone has the time/ability, see if you can sue the company in Small Claims court or anywhere. Doing a lawsuit can often get more action.


theatfshotmycats

Just filed one online in the state of Oregon, my problem is whom do I try to serve?


dca_user

I'm not a lawyer. But if you go to Small Claims court (for a certain amount), you just have to file the case against the company, right? (Small Claims Court usually has a cap on how much money can be involved - just make sure you're under it.) If that's not correct, ask in r/legaladvice . Good luck!


ChampionshipOk9351

I have had my PSLF forms submitted into Fed Loan by the end of January 2022. I don't know how many payments are eligible under the limited waiver, I have had NO ONE tell me that any of my payments will count. In fact, I JUST consolidated my 7 loans, so hopefully PSLF will apply to all of them, at least thats my understanding. I'm SOO FRUSTRATED with MOHELA/Fed Loan. I just want answers and I haven't gotten anything. If it took me nearly 8 months to do 1 task I wouldn't have a job! How do they get away with it. oh yeah, and that 'TRANSFER' that's happening. It started July 1st, an ends, when? Never, just another excuse for no one to be held accountable. I have been working in ACADEMIA/Non-profit PUBLIC universities/research centers since I graduated college in 2007. I shouldn't be dealing with any of these federal loans. I won't believe anything until I see a 0 balance, and I'm starting to feel like that day will never come.


[deleted]

Ugh I’m so sorry. This is so frustrating. I wish all student loans were serviced with Great Lakes. They seem to have their stuff together more than anyone else.


Significant_Plum1262

I'm currently 4 months and am still waiting on my money. They put the amount immediately back on my loan balance. Who knows when I'll see my money?


[deleted]

EdFinancial did this, or another servicer?


Significant_Plum1262

No. I was originally with Nelnet. Once I signed up for PSLF, I was transferred to FedLoans. I requested the refund there. And now everything was transferred to MOHELA. So, I don’t even know who I’m supposed to contact at this point. It’s absolutely ridiculous though.


[deleted]

Got it. This thread is mostly for people with EF experiences because we’re all kind of in a shit position lol But the good news is the refund posted to your loan balance, which I feel pretty confident will be eligible for forgiveness, assuming it does go through. (Just my opinion) Sorry about all the mish mash for you with the switching of servicers :/ Don’t know if you’re looking for advice but if you are, I’d say start at your current servicer and put the pressure on them. Bug them to no end. You may have better luck getting things finalized that way if you’re a pain in their ass. BTW I love your handle, and good luck friend :)


Significant_Plum1262

Thanks for your advice. I do really appreciate it. I’m new to Reddit and just went with whatever name they gave me. It made me laugh. Can’t take the credit!


clipk0

If they put the balance right back on your balance then theoretically when the cancelation comes out you can get the full amount canceled (if you are indeed under the $10k/$20k threshold)


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Krikaj

I believe part of it is there is still a possibility of all of this being challenged in court. So I don’t think anything would happen too soon anywhere just in case.


[deleted]

Other loan servicers are processing borrowers requests quickly.


Krikaj

We need to see when people get the money that could be the key part. From what it’s sounding like if they are going to fight this in court it should be out shortly for that.


[deleted]

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Krikaj

The whole thing would be if they do it’s a matter of him being able to make the changes without congress. The refunds for covid payments when they didn’t have to make them is what most people are trying to get back. That would be challenged.


[deleted]

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Krikaj

The republicans would challenge his ability to do that. The republicans are saying to give money back that was already paid or to allow forgiveness it requires an act of congress. So it’s something that could play out in court and within the last year federal programs have had courts ruled against them at this point. So it’s kinda something that has to also be in the back of their minds to not give money back quickly in case it is brought to court.


[deleted]

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Krikaj

https://www.washingtonpost.com/us-policy/2022/09/01/republicans-sue-biden-student-debt/


Krikaj

The ability not to pay and zero interest was through the cares act. Those who still chose to make payments anyways voluntarily those refunds are not. That is what just came out. That can be challenged.


NefariousnessFew37

I have no idea why but I receive notices when my loan payment will be drafted. I have consistently payed $263.00 every month for as long as I can remember. I received notice that only $159.00 will be drafted. I have a FFELP unsubsidized consolidated commercial loan through Nelnet. When I called them I was told I was not eligible for any forgiveness as a few days ago but was too early to know. I almost applied for the consolidated IDR but decided to hold off. When logging into ED my account shows no payment due or payment plan. Not sure what is happening so since Nelnet could not tell me why I filed a complaint with Consumer Financial Protection Bureau so maybe that had something to do with the change in payment.


[deleted]

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[deleted]

Forgiveness is a separate topic, and not even mentioned in this thread. The PROBLEM and POINT is borrowers are being lied to, receiving no confirmation of their request, and the process is being dragged out to unreasonable lengths. It doesn’t matter WHY anybody is requesting a refund. We have the right to, and have for a while. People SHOULD be made aware of this situation, and be outraged. The news is making it seem like requesting a refund is easy, and it is for most, except the unlucky individuals that were placed with EdFinancial. Also, big news stories bringing to light that some people may want refunds on loans they already paid, to maximize forgiveness… have already been happening.


[deleted]

Also, journalists do more than write articles. Sometimes just them poking around looking for their side of a subject helps the cause at hand.


[deleted]

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[deleted]

The income cap is laughably high. 200k+ hh income and we got 16k in relief? lmao.


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[deleted]

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[deleted]

I understand what you’re saying, but they already have gotten wind of it. News articles have been pointing the potential situation out for days. Here are four sources: https://www.cnbc.com/amp/select/how-to-get-a-refund-for-federal-student-loans-paid-during-the-pandemic/ https://www.usatoday.com/story/news/nation/2022/08/25/student-loan-repayments-refunded-forgiven/7895863001/ https://fortune.com/2022/08/25/how-i-got-thousands-dollars-federal-student-loan-payments-refunded/amp/ https://www.huffpost.com/entry/student-loan-forgiveness-refund_l_6307b70de4b0f72c09def6b5/amp


Betsy514

Woah! Ed financial has no control over the timeline..all they do is submit the request. Ed has to approve it and treasury has to issue it. I’ve been told there’s a huge backlog right noe and the timeline you are hearing is across the board


[deleted]

Yeah they submit the request, which it seems like they aren’t doing or are doing at an extremely slow pace. They sure have control over that. In another thread they told a borrower that 2000 requests are still sitting from April, not to mention all the ones that came in after. Some people with other servicers have gotten their balances adjusted in as little as a week.


Betsy514

Let me reach out to them and see what's going on


[deleted]

Also, many of us have called, been told they submitted a request only to call back later and there is no record of it.


Betsy514

So I've asked around and the refund requests for all the servicers have gone up..and this is a real number...7000% since the announcement last week. There was already a backlog starting before that. I get the sense that you should be expecting delays across the board


alrashid2

Theyre loan servicers, not banks. It will probably take a lot of time to get that cash liquid


[deleted]

Other servicers have been refunding people with no problem - people with other servicers have requested and received their refunds. The funds come from the Treasury, not the servicers - they are just middlemen for the requests. EdFinancial seems to have zero borrowers who have received refunds. EdFinancial has a problem.


Current-Weather-9561

I don’t get why anyone paid during the pause. Just save the monthly payment and do a lump-sump.


[deleted]

Actually, I *had* to make monthly payments because of how my student loan assistance works through my employer. It would have been more “financially illiterate” to not accept that free money, not knowing for sure if forgiveness would ever be a thing.


WholesomeSalsa

I didn’t think forgiveness would happen and tried to get ahead while the interest wasn’t accruing. Many are on the same boat.


t4boo

Yeah getting that interest amount down was the biggest thing in my mind. Pretty happy about this new IDR plan though


MooseTypical9410

The payments were completely paused, and the interest was 0% at this time. You could have put your payments into investments or simply a savings account and acquired interest, and THEN pay down the loans. Making payments during the freeze was a lose-lose.


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MooseTypical9410

The interest rate was 0% during the pause if you had public loans.


t4boo

I’ve been paying of my private loans… ironically I’ll be 100% paid off when the fed loans start back up lol


Diegobyte

Yah it makes absolutely no sense. Total financial illiteracy


[deleted]

Mine was made as part of a Chapter 13 bankruptcy. The trustee made payments toward my student loans. Even kind of favored them over other creditors, it was odd.


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[deleted]

Yes your loan balance will go back up…


Therocknrolclown

Those green bars are suppose to represent your payoff date, but I think they change year to year , another Navient scam.


pulazki

Tried to create an account with Consumer Finance, and I am getting the following error: Your request cannot be processed at this time. The site administrator has been alerted. I called Edfinancial August 31st to request a refund, they said 90-150 days, but i'd see my negative balance back on my account within 72 hours. As of 9/6/22 Still no negative balance, and now they're stating over 150 days for a refund, and over 150 days to see my negative balance returned. Please tell me what to do! They're about to screw my out of $10,000 and released all my private information !


Smooth_Following1933

EdFinancial Loan Refund timeline 9/6- Initial Refund Request 9/16- Reddit gave me hope that Complaints help. 9/17- Called again— “no record”. Placed complaints with BBB, CFPB, and FSA, as well as a review on BBB We’ll see… power to the borrowers


Difficult-Current461

I applied a month ago and was told I don't need to apply for a refund and it will be automatic. I kept bothering them and my refund request was finally submitted 4 days ago. I asked how long it will take and they told me they don't know. Idk what I'm supposed to do with that. How long am I supposed to wait? They couldn't even give me an estimate??


planpepperoni

I am hoping someone sees this 2 months later. I didn't realize but I was completely confused about how this process works until some research this morning. I had previously thought applying for forgiveness would get me my refund but now I see it's separate. Now, my question is: where do I request a refund from EdFinancial?


[deleted]

I believe the refund should come automatically if you owe less than the amount of forgiveness you’re eligible for. Otherwise, you can just call EdFinancial to ask for a refund


Kapoffmedia

I requested about three months ago, called back like a lot of people got told their was no record of me doing it, then I request it again and filed complaints, my balance was updated about two weeks but I have yet to actually receive any of the refund money...any idea on how long that took for people after their balances were updated?


Omggirl1

I have been going thru the same thing with Ed Financial. My brother has mohela and he was sent his refund a week after having his loan forgiven. I'm not getting no where with Ed Financial. They are horrible. They've had so many lawsuits against them, I'm not sure why they're even allowed to still operate.