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Graduated Repayment plan

Started by predgw, October 19, 2017, 02:06:07 pm

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Talked to a PLSF employee today.  Told me my employment certificate would be approved, but that with a graduated payment plan, none of my payments would qualify.  Only 10 year repayment plan or Income based would count.  I find this hard to believe.  First, the 10 year repayment plan makes zero sense as you need 120 payments to qualify.  With the graduated plan, I'm certain that I paid a higher monthly payment than some of the income based plans.

Has anyone gone through the PLF process with a graduated plan?   I currently have MOHLEA for a provider, but some years ago when my loan was under another Fed Loan servicing company, I could view how many payments qualified.  I believe this was 2010 when I checked and at the time, about 40 payments or so qualified.  I have been paying on time with no interruptions since 2002.   I suspect I'm darn close to having 120 qualifying payments.  I just hope the payment history is thoroughly reviewed.

Thanks in advance for any help.


Hi there,

Income-driven repayment plans are the only ones that will work. It's spelled out clearly on the PSLF page of the Department of Education: https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/public-service


I sure hope they take the time to analyze the payments.   If through the course of 120 payments I paid more total than an income based plan, why would I be penalized??   The amount forgiven is less not more.  I understand needing to make a minimum payback each month, but if you exceed that amount, you should not be penalized.