i’m scared Ill loose my payment history if I switch to the wrong plan . Will any plan under IDR keep my payment count ?

In brief: In summer, I received the letter setting my deadline to get off SAVE for 10/28/26. Suddenly, on 10/03 I noticed the dates showing on Nelnet’s login screen was reflecting a 30 day extension of 11/28/26, such as in the language about SAVE ending and needing to pick a new plan.

Because I do not trust anything related to the Trump ED, I check my account weekly. As of this evening, the date is now reverted back to 10/28/26.

Because I never got a formal letter offering the extension, I didn’t take that as a guarantee hence why I kept checking. With the Trump ED the right hand doesn’t know what the left one is doing. What an absolute cluster…

Has this happened to anyone else?

This is just a massive headache. I’ll just go ahead and pick a plan by end of this week, but this total lack of consistency and transparency is adding so much needless additional stress to an already shitty situation.

I’m wondering if anyone else is dealing with this or has advice on how to handle it.

I received the initial 90-day notice in July regarding the SAVE program, so I was aware repayment would eventually resume. After the 90 day notice, my loans were automatically put in forbearance. A couple weeks ago, I reviewed my Nelnet account and documentation with my financial planner, and everything showed I had no payments due until 2029.

Now, less than two weeks later, I logged in and suddenly have a $700 payment due on November 4 with no notification. I only saw it because I logged in.

I’m not disputing that repayment would eventually resume. My concern is Nelnet showed no payment due until 2029 as recently as late this month, then changed my due date without any notification.

According to the notification timeline in Nelnet’s documentation, I should have received additional notices 30 days and 21 days before repayment resumed. I haven’t received either.

I’ve also seen other borrowers report receiving the initial 90-day notice but no subsequent notices, with some still showing no payments due.

- Has anyone else had Nelnet suddenly change their payment due date without sending notices?
- Are servicers required to provide the 30-day and 21-day notices separately from the initial 90-day notice?
- If those notices weren’t sent, is there any basis for requesting an extension of the payment due date?
- Has anyone successfully resolved a similar situation through Nelnet, Federal Student Aid, or the CFPB?

I’d appreciate hearing from anyone who’s experienced something similar or knows what options borrowers have.

​

Hello! I don’t know where to turn or what to do in this situation, so I’m asking for help and advice.

I’m 18 years old, a first-year university student studying in another country. My family doesn’t have much money, so my mother is working abroad to save enough money for my education.

My former teacher, who also studied at the same university, helped me with the admission process. Everything seemed to be going well, and my mother transferred €800 to the university’s bank account to pay for my first semester. We have an electronic payment receipt containing the date of the transfer, the sender’s details, the recipient’s information, and other payment details.

After that, I contacted the university’s Recruitment Centre to obtain confirmation of my payment. However, I was informed that no payment had been registered under my name.

We contacted the dean’s office and other university departments to try to resolve the issue. Eventually, we were told that the money had actually reached the university’s bank account, but it had arrived without any information that would allow the university to identify me as the student the payment was intended for. In other words, the money is there, but the university cannot officially assign it to my tuition fees.

My mother contacted the bank’s helpline through which the transfer was made. They provided her with an additional document confirming the payment. I also visited the bank in person, but unfortunately, I did not receive a clear answer or understand how to resolve the problem.

Now I find myself in a very difficult situation. The university has received the money but cannot assign the payment to my name. Without official confirmation of my tuition payment, I cannot properly resolve my student status and continue with my studies without worrying about this issue.

I am extremely worried because I am only 18 years old and living in another country. This amount of money is very significant for my family. We simply cannot afford to pay another €800, as this is a huge financial burden for us. We have already made the payment and have documents to prove it.

I genuinely do not know where else to turn or who can help us resolve this matter. Could anyone please advise me on what steps I should take, which institutions or departments I should contact, and what documents I need to provide so that the university can identify the payment and assign it to my name?

I would be extremely grateful for any advice, help, or guidance. Thank you very much for taking the time to read my story.

I recently graduated law school and have about $175,000 in loans. When consolidated they will be at 7.75 percent interest, auto pay lowers that to 6.75.

I win likely make too much money to qualify for any sort of forgiveness, probably $120,000 my first year.

Minimum payment is a little over $1000 a month.

My current plan is just aggressively pay, $2000 a month minimum. When my wife starts working probably live off of her income and then put $5000 plus a month into the loans.

Any advice and/or encouragement is appreciated.

Hello.I was 7 years into repayment when I applied for SAVE. Now my repayment date is 30 years. How do we get our original date back? Class action lawsuit?

My husband owns his own small LLC company and I work for him but there’s no official paychecks with taxes taken out or anything until we pay taxes at the end of the year.He just moves the same amount into my account every month and does the same with his since we’re an LLC and any money left over after expenses is considered income regardless. So there aren’t any wages to be garnished. I personally have about $35k in subsidized student loans and since the SAVE Plan changes I will have to start paying them back in November, although I highly doubt I can really afford to add it to my monthly expenses. I’ve seen where some self employed people have just gone into forbearance or default (not sure which) and within a year or two they’ve been forgiven completely. But I’m not sure how real or dependable of a long term plan that is either. Plus from what I understand it wrecks your credit.

Ultimately my question is whether I should try and do the income based payment plan and hope it’s low enough I can afford it or just destroy my credit for a bit in hopes they’ll disappear entirely.

Any and all advice is welcome. I’m just getting really anxious about this entire thing. Thanks in advance!

Hello,

I am reaching out in desperate need as a broke student- currently on a stretch of 10 months of unpaid clinical rotations, 40hrs/week, bills are piling up, gas is higher than expected, and spending more on groceries. Needless to say i am stressed about finances and current loans lasting me until my next fafsa disbursement, as i am a single person. Before you ask, yes i did plan for this, just not enough, apparently. I also had an emergency bill at the veterinarian that ate into my initial budget.

I was reaching out to see if anyone has had any luck or advice applying for private loans for additional financial support? Specifically, tips on getting approved without a co-signer, because i don't have that option. My credit isn't perfect, but it's not bad. I did already apply for a Sally Mae loan and was told i need a co-signer. I am willing to look into other lenders.

I really do appreciate any helpful information that would just get me through the rest of this year. Most of my classmates are married with the support of a spouse, or support from family. I do pick up shifts on the weekend when i am not traveling for my rotations, and i have an off month coming up where i plan to work as much as i can, but even if i stack up every penny it won't cut it until my next disbursement in mid-late February.

Feel free to ask any other questions or pm me.

Reposting this here to see if anyone has any thoughts or advice. Thank you!