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PSLF qualifying payments counted incorrectly
June 4, 2016
9:05 pm

Hi there. I am wondering if anyone else is having issues with FedLoan Servicing accurately counting their monthly payments as “qualifying” towards Public Service Loan Forgiveness. I consolidated correctly back in 2007 when the program began and have been on the IBR repayment plan since then. I have also completed Employment Verification Forms since then, which have been accepted. I have consistently made on-time monthly payments under IBR while working for an approved employer. Even so, FedLoan Servicing is telling me that some monthly payments have not counted because of various deferments and forbearances on my account which I know nothing about! How could that be? The customer services representatives give me different information each time I call. Six months ago I requested a recount of my qualifying payments and one “administrative forbearance” was removed in the process. Since then I have requested (in writing) documentation of the other alleged deferments and forbearances as well as a list of which monthly payments have not qualified. I have not heard from them at all. At one point I talked with a supervisor who said he would be in personal contact with me. When I never heard back, I called customer services again and asked to speak with the same supervisor. Of course that person was “busy” and the customer service rep would have him get back to me. Two weeks later I’m still waiting. My attorney sent a letter to FedLoan’s legal department so we’ll see if that gets a response. Has anyone else had a similar problem and, if so, how were you able to get the matter resolve?

August 2, 2016
4:22 pm
New Member
Forum Posts: 2
Member Since:
August 2, 2016
sp_UserOfflineSmall Offline

Hi Annie,
I just joined this forum today because I’m having a lot of difficulties with various things related to PSLF, too. My biggest problem is that back in 2009 I consolidated my loans because I thought that would save me some money. I just found out this year that by consolidating I lost those first 22 payments. I have also had big issues with my Employment Verification forms and the start date. Even with those 22 payments that they won’t acknowledge now, I’m still about 20 short. My frustration lies in the lack of transparency of those “qualifying” payments. The term is so general and nowhere (that I am aware of) on your statements or the account website can you see what your qualifying payments were.

Have you received any response from the legal department? If so, can you explain what happened? I might suggest you also explain your situation to Senator Warren. As you may know, she is fighting hard for student loan forgiveness and has heard testimony from a panel on their horror stories with the system.


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