IDR Student Loans - If your IDR Application is Due/Expiring, Read!! (Mohela)

I have loans that were on the PAYE program. I went to re-certify my income and was unable to access the forms due to recent injunctions with the government. I gave MOHELA a call (1-888-866-4352), wait time was 3 hours, put my number in for a call back.

Long story short - put your number in for a call back! And due to this injunction, you can be placed into forbearance if you fall into a similar situation. The officer was very helpful - since we are unsure of the current injunction timing, she put in for 2 months of forbearance. You can always extend for longer if you have not already used your 12-month forbearance. If IDR plans again become available, file for one and then call MOHELA back - you can be placed on an application-type forbearance that will not eat into your 12-month, until your application is processed.

Hope this was helpful and saves you some anxiety!!