Remembering TCPaul, 2016-2019

PSLF Certification

As a good public service lawyer trying to work off student l laidoffnewlawyer12/31/18
First thing you need to do is call and see exactly what pape fettywap12/31/18
I provided the certification form from each of my qualifying laidoffnewlawyer12/31/18
These people are stupid. You have to assume it. I mentio lawyer197212/31/18
Thanks for the advice. I just emailed fedloan for them to co laidoffnewlawyer12/31/18
laidoffnewlawyer (Dec 31, 2018 - 1:37 pm)

As a good public service lawyer trying to work off student loans, I submitted a PSLF certification form to my loan servicer, myfedloan. I just got back the results of their calculation of my "qualifying payments," and it seems like they completely erred when they did their review. They concluded that I've made only 22 qualifying payments when I've been making on-time, IBR payments every month for about four years.

Anyone have a similar experience? And, what did you do to rectify the problem via an appeal or something similar?

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fettywap (Dec 31, 2018 - 1:55 pm)

First thing you need to do is call and see exactly what paperwork they're missing.

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laidoffnewlawyer (Dec 31, 2018 - 3:06 pm)

I provided the certification form from each of my qualifying employers, which should be all that is necessary. I took the time that they certified my employment for and compared it to my payment history and it appears that they have undercounted my number of qualifying payments by half.

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lawyer1972 (Dec 31, 2018 - 3:12 pm)

These people are stupid. You have to assume it.

I mentioned this in a previous post but I will put it here:
File a complaint with the CFPB. Detail your issue. This act will force an accounting which will escalate it up Fedloans chain of command while placing the issue into the hands of a supervisor or at least someone with a brain. Your issue should be resolved in a reasonable amount of time after that.
I do it almost every year.

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laidoffnewlawyer (Dec 31, 2018 - 3:38 pm)

Thanks for the advice. I just emailed fedloan for them to correct it. Absent a reasonable response and proper recalculation, I will move on to CFPB. I didn't even think of them. Much appreciated, happy new year.

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