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Scott Williams 🐧
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Well, after numerous hours of phone calls and various complaints filed with various entities, my #studentloans serviced by #MOHELA are mostly finally in order on the PSLF and SAVE plan again. I'm still short roughly 2 years of the payment credits I expected should be there and they're apparently still "looking into" that, but my payment for the next twelve months is 1/10 of what it last billed at. Here's to hoping MOHELA doesn't spontaneously screw it all up again.
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Scott Williams 🐧
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Idea for a step to improve #studentloans and #housingCrisis, loosely based on recent precedence:

Credit mortgage payments on a primary residence towards student loan payments. This way, not only are younger people and families more able to buy a house, but would also have more financial incentive to buy and banks/credit unions might be more willing to lend since borrowers have more financial incentive to make mortgage payments.
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Scott Williams 🐧
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Scott Williams 🐧
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OK, after a lot of back-and-forth, they finally agreed to re-process the paperwork I (properly re-) submitted in December to fix their previous Consolidation screw up. They also agree to put in a administrative forbearance through May to give them time to process the paperwork and count that time toward PSLF. I advised that my payment count has dropped since consolidating and that I would be checking in *after* the SAVE/IDR mess is finally cleared up. #StudentLoans #DeptEd #PSLF
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Depending on which paperwork from #MOHELA is valid, I either should have had around 1.5 years of payments as of last November or I still need to make 8 years worth of payments. I have been working in public sector since 2012. #StudentLoans #DeptEd #PSLF
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Scott Williams 🐧
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Scott Williams 🐧
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The #MOHELA lady came back and said they it's not possible to stay on the #SAVE plan when you consolidate direct loans and so MOHELA didn't mess up (near verbatim quote). I protested saying I have the paperwork to show that SAVE application along with the Consolidation from #DeptEd. She admitted that she sees that, too, and... place me back on hold. #StudentLoans
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OK, after a lot of back-and-forth, they finally agreed to re-process the paperwork I (properly re-) submitted in December to fix their previous Consolidation screw up. They also agree to put in a administrative forbearance through May to give them time to process the paperwork and count that time toward PSLF. I advised that my payment count has dropped since consolidating and that I would be checking in *after* the SAVE/IDR mess is finally cleared up. #StudentLoans #DeptEd #PSLF
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Scott Williams 🐧
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Scott Williams 🐧
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Roughly 2 hours in, I got transferred to someone in training who said they couldn't reprocess my already approved IDR/SAVE that I would need to re-apply which triggered a higher payment and said I would need to take a general, not administrative forbearance to cover their mess up. It was at this moment, I decided lost my cool and was placed back on hold while they "consult about further options".
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The #MOHELA lady came back and said they it's not possible to stay on the #SAVE plan when you consolidate direct loans and so MOHELA didn't mess up (near verbatim quote). I protested saying I have the paperwork to show that SAVE application along with the Consolidation from #DeptEd. She admitted that she sees that, too, and... place me back on hold. #StudentLoans
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Scott Williams 🐧
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Now 1.5 hours into being on hold for this call to #MOHELA. This was calling during their recommended off-peak timeframe. I feel a duality of things. Both that MOHELA must be understaffed and yet I can't imagine how terrible of a workplace it must be since Betsy DeVos had her dementors suck the soul of of #DeptEd and everything around it. #StudentLoans
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Scott Williams 🐧
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I very foolishly trusted the "Let us call you back" service offered by #MOHELA. They did not, in fact, call me back. #StudentLoans #DeptEd
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Scott Williams 🐧
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Now crossing the 45 minute on-hold mark. I have yet to talk to a human and it's a miracle in and of itself that I survived their updated phone tree to get into the line. #MOHELA #StudentLoans #DeptEd
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Scott Williams 🐧
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There's multiple generations who now have had to come to terms with the fact that we're going to take our #studentloans with us to the grave and without a deed to any house along the way. This was not the opportunity that what was promised to us by our parents, teachers, mentors, and politicians when we were all in high school.
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