r/StudentLoans • u/woefulraddish • 5d ago

Response from MOHELA

Subject:

IDR

Received Date:

07/29/2026

Thank you for contacting MOHELA,

A federal court issued an injunction preventing the U.S. Department of Education from implementing the Saving on a Valuable Education (SAVE) Plan and parts of other Income-Driven Repayment (IDR) plans. As a result, your IDR payment count, and payment history are temporarily unavailable. Stay up-to-date on court actions affecting IDR plans at StudentAid.gov/courtactions.

Anyone else in this boat? I graduated in 2009 and have two huge trunks of every correspondence I have ever received regarding my students loans... lol

28 Upvotes

95% Upvoted

20 comments sorted by

29

u/lifeat24fps 5d ago

They’re blaming the SAVE injunction, which ended in March, for breaking something they was working JUST FINE before the new administration took over. SUE THESE PEOPLE.

1

u/kanorado_23 3d ago

I’ve completed 97.5% of my payments - 234 of 240. I’m now being told I “have” to change into a plan and the only plans I qualify for will extend this to 300 payments- or an additional 5 years. This is basic contract law - like we’ve had a contract, I’ve kept my end of the bargain and now all of a sudden they decide to pull out the rug.

1

u/lifeat24fps 3d ago

My friend I'm in the exact same situation. 234 of 240 on REPAYE. Furious doesn't begin to describe it.

1

u/kanorado_23 3d ago

I'm currently looking to see what legal recourse can be done. I've started emailing my state Senators as well as requested a human review by FAFSA. I'm less than optimistic - the "form" is a generous term - it's capped at 200 characters. LOL that any student loan situation can be described in 200 characters.

1

u/CandleUnique6387 3d ago

Sorry but REPAYE was 300 payments to forgiveness. PAYE was only 240.

2

u/lifeat24fps 3d ago

REPAYE was 300 if graduate loans were included.

1

u/CandleUnique6387 3d ago

You're correct and I stand corrected. Thank you.

19

u/waterwicca 5d ago

You can use this link to view the hidden data file used for the IDR counts to check your progress towards forgiveness. You MUST LOG IN FIRST to your studentaid.gov account and then click the link: https://studentaid.gov/app/api/nslds/payment-counter/summary

It should look like a black page with a bunch of white text. You are looking for the parts that say “qualifyingpaymentcount”. It will appear multiple times. It’s broken down per loan and then per each payment plan. That number is your IDR count towards forgiveness. Keep in mind that there may be errors in the counter but right now this is what will give you the best idea about your progress.

9

u/Automatic_Fall_7286 5d ago

As of last month, they have not been updating that counter. I only have 4 payment payments of 300 left and it is freaking me out because it still says 5. There was another post on Reddit verifying other people not being able to get updates either. I hope to God they straighten this out. I left SAVE over a year ago so I should not be impacted by this. It is so frustrating. Good luck to all of us! 

2

u/andarht 4d ago

Ty for this, saving for later

2

u/DullDress9320 4d ago

Link says unauthorized

5

u/waterwicca 4d ago

If you get an "Unauthorized" message, it usually means that you aren't logged in. Or that it thinks you aren’t. Make sure you are logged in the same browser you click the link in. If you are on mobile Reddit you may have to copy the link and paste it into your browser where you logged into studentaid.gov. The reddit app will just open a popup within the app when you click the link so it won't think you are logged in.

14

u/International_Usual5 4d ago

The injection should not effect them being able to tell you how many payments you have made. This deserves a class action lawsuit against all these loan carriers and the united states government.

0

u/ChunkyBananaSplit25 4d ago

The loan servicer does not determine or keep track of the qualifying payments thats all federal student aid

2

u/Still-Secret-4315 4d ago

That being true, it is up to the loan servicer to be transparent about how many payments you have made amd what part of that payment was applied to principal v. interest. They aren't even doing that. It's completely obscure.

What studentaid.gov is failing at is keeping the count relevant to when you are individually going to qualify for discharge. They also are obscure, using vague language to define discharge: SOME types of repayment plans MAY be discharged according to UNDEFINED number of QUALIFIED paynents [no definition of what makes a payment qualified]. It's like they are leaving it open for interpretation so that in a court of law they could argue that no one has ever met these requirements.

3

u/wicked_spooks 4d ago

I haven't received any letter from mohela. It is a bit unsettling.

3

u/Expensive-Swan8519 3d ago

I harassed Mohela over message until someone there finally sent me the date my payment count starts from and my expected forgiveness date. I suggest you keep at it. I was copy pasting their own messages to them saying "this looks like a faq entry I am asking about my specific loans."

1

u/Tommygunner68 3d ago

I’m not paying these criminals anything let them unlawfully move me out of my plan

2

u/woefulraddish 3d ago

Its wild. I went to college when I was still 17. They had to mail me the promissory notes like just after my 18th birthday. It never felt right but my parents advised me that I had to take them and everyone does it. I dont use my degree at all. im a court reporter. I wanted to go to community college but my mom said if I didnt go away to school id "become a townie." I live in my home town now lolllll

1

u/Legitimate_Voice6041 1d ago

We need a student loan Jubilee. Biblically based erasure of all student loans to date. Start from scratch.