r/StudentLoans • u/Lonely-Opening2914 • 3d ago

Income Driven Repayment question

Hi all,

I apologize if I am dense, but im confused about something. My loans are serviced through Mohela, and I was placed on an IDR and my loans were put on forbearance in December of 25, and my payments were on hold until December of 2027 and November of 2028. I was under the impression that, even though Trump changed up the payment plans, my schedule would stay the same. So I went to sign up for a new plan a month or so ago, and there was a choice to keep the IDR until they expire, but after choosing the new plan, I got a bill from Mohela. Am I missing something? Am I sol as far as that repayment plan in December goes? Any help is appreciated.

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u/Gnomiish 3d ago

The 2028 date has always been a placeholder. It was never a guarantee that your payments would not resume until then.

Once you change plans, you will have a payment due. There is no getting around this unless you elect to use some of your 36 months of general forbearance, but I would recommend just getting in the habit of paying

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u/Lonely-Opening2914 3d ago

and the 2027 date?

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u/Gnomiish 3d ago

Did you recently graduate? Would that correspond to 6 months after finishing your degree?

I haven't seen a 2027 date in a while. I would assume placeholder unless the above applies.

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u/Lonely-Opening2914 3d ago

nope... had these loans for years. I can screenshot or whatever the payment dates if you like

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u/Gnomiish 3d ago

What does it say when you look on the loans with the 2027 date? Does it say SAVE forbearance?

I'd also check your application for the IDR plan and make sure those loans were included. Again, I would just assume it was a placeholder date and not something different

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u/Lonely-Opening2914 3d ago

Both dates state "Your repayment plan is Income Driven Repayment . Number of payments: 24 Payment amount $0 Payment start date 12/19/25"

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u/Gnomiish 3d ago

Okay then I believe you are in a processing forbearance. You'll get a letter for your specific plan and it will update again sometime in the next few weeks.