What happens after 60 days of administrative forebearance?

Student Loans
1

For those of us not on the SAVE forebearance, but rather on an administrative forebearance (which is PSLF-qualifying and interest-accruing) while awaiting approval of a change in repayment plan (i.e. standard to IBR), what happens when the administrative forebearance runs out after 60 days?

I understand that you automatically go into general forebearance (non-PSLF qualifying and interest-accruing), but a MOHELA rep told me that after the administrative forbearance expires, you can call and request that they put you back on administrative forbearance and start the 60-day clock again. I presume this would still be PSLF-qualifying and interest-accruing. Is this correct? Has anyone successfully tried this? Any information would be appreciated.

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3

Borrowers are placed in a processing forbearance for 60 days, not a general forbearance. After that, here’s what’s supposed to happen: ‘If the borrower’s application is not processed within 60 days, they will be moved into a general forbearance that does not count towards PSLF or IDR until the application is processed. Interest will not accrue during this general forbearance.’ Borrowers are stuck in the general forbearance until the legal situation is resolved.
See this link for more information

4

@Rory
ED has placed borrowers currently enrolled in the SAVE Plan (formerly known as REPAYE Plan) into general forbearance because servicers cannot bill them at the required amount due to a recent court order. During this forbearance, interest will not accrue, and time spent in this forbearance won’t count toward PSLF or IDR forgiveness until the legal situation changes or servicers can bill borrowers correctly.

5

After the 60 days run out, you call your servicer to get put on general forbearance, which doesn’t accrue interest. Not sure if it counts towards PSLF though.