Remembering TCPaul, 2016-2019

PSLF and your friends at the Dept. of Ed.

I am a few years away from PSLF, and I requested an estimate ericcrapton12/28/18
Apply for forgiveness, get denied, and send an email request finklebots12/28/18
Thanks. Every payment was under IBR. The issue was they didn ericcrapton12/28/18
Sounds like BS. If you paid what the coupon said to pay and qdllc12/30/18
Another Solution: File a complaint with the CFPB. I have fi lawyer197212/30/18
That’s rough man. nonlinearjdmba12/29/18
Always certify your payment as early as possible, and if the trollfeeder01/02/19
It's the exact reason why I recertify the same day I get the thirdtierlaw01/02/19
ericcrapton (Dec 28, 2018 - 8:39 pm)

I am a few years away from PSLF, and I requested an estimate of when I am eligible for forgiveness. They tacked on an additional 16 months to what I expected. I requested an audit. They responded with a list of my payments, identifying the ones which ones do not count. They included ones where they had not sent me my revised (increased) payment. My payment to them was off by a dollar or three, and they insisted those payments do not count. They had never notified me of the deficit. The moral of this story is, make sure you certify your public employment each year, make sure you save every receipt, and make sure they are providing you with the correct payment before you make a payment, get everything from them in writing, and do not accept any kind of forbearance. Further evidence: https://www.marketwatch.com/story/this-government-loan-forgiveness-program-has-rejected-99-of-borrowers-so-far-2018-09-20

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finklebots (Dec 28, 2018 - 10:43 pm)

Apply for forgiveness, get denied, and send an email requesting TEPSLF. (Google it)

What payment plan were you in that didn't count?

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ericcrapton (Dec 28, 2018 - 10:58 pm)

Thanks. Every payment was under IBR. The issue was they didn't send me the amount of my increased repayment. I paid them every month, but I underpaid for several months by a few dollars and they have deemed those payments ineligible, prolonging my repayment schedule.

I just want people to know what they are dealing with.

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qdllc (Dec 30, 2018 - 6:48 am)

Sounds like BS. If you paid what the coupon said to pay and weren’t pulling any shenanigans to trick them into giving you a lower payment, it should count. If your actions are above board, let your congressman and senators know about this and ask them to look into it. DoE is much more accommodating when someone with the authority to demand answers gets involved.

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lawyer1972 (Dec 30, 2018 - 9:01 am)

Another Solution:
File a complaint with the CFPB. I have filed at least ten against Fedloan Servicing over the years. These companies hate sunlight on their shady crap. Everytime I file a complaint, a six month answer turns into two weeks. In addition, the problem I am having is escalated to someone with a brain.

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nonlinearjdmba (Dec 29, 2018 - 12:10 am)

That’s rough man.

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trollfeeder (Jan 2, 2019 - 11:45 am)

Always certify your payment as early as possible, and if they do not certify you in time for your next payment, use the forbearance option they allow. If your forgiveness is going to be delayed, might as well save a payment or two in between.

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thirdtierlaw (Jan 2, 2019 - 1:40 pm)

It's the exact reason why I recertify the same day I get the letter telling me it is time to recertify. They've always gotten it completed before the next year starts.

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