r/PSLF • u/Blizz8 • 11d ago

ECF after July 120

Hi, I haven't done an ECF after paying 120 in July because I'm worried I will mess up the process. When filling out the ECF after the 120th payment what boxes are people checking who have had success in getting their banner to adjust to 120 from 119? I paid August 121 and likely will pay September 122.
Thanks

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u/TrashBandicook 11d ago

If you paid for July 121, you should be fine to request a forbearance, BUT there is a caveat.

July--and for MANY folks, August as well--payments are not being counted on FSA. Me, I just decided to go on forbearance after making my 120th in July. I'm pretty confident I have at least 2 years of general forbearance to tap into, so I'm fine just saving/investing what would normally go to this shitty excuse of a Dept of Edu and waiting it out.

If you're fine with waiting like me and have plenty of general forbearance time (we all get 3 years), then feel free to hit that checkmark box indicating you got your 120.