Greetings, I just wanted to make this post and share the hope since I have been a long- time follower of this subreddit. Here is my timeline and I've also included changing from SAVE to IBR to reach 120/120 payments. I submitted for buyback twice but never received offer/response.
Keep the hope and may the odds be in your favor✌🏾!
4/28/26: FSA site has not been updated since 3/28/26. Still shows loan balance and states that I have a payment due 4/22/26 (which was already paid to MOHELA)
4/24/26: MOHELA email then document from website "Your Student Loans Have Been Forgiven" (??Golden Letter). Loan amount zeroed out, money taken 4/22/26 is negative balance (assuming it'll be refunded)
4/23/26: MOHELA Forebearance request approved. Spoke to an agent 4/22/26 after another payment was taken out with autopay
4/22/26: FSA email then document on website "Forgiveness Eligibility Notification: "Thank you for your public service..." indicating that loans are eligible for forgiveness (120 qualifying payments), instructed to wait for loan servicer (MOHELA) about communication about forgiveness.
3/28/26: FSA email and Green Banners stating, "you've reached 120 payments, but you may need other program requirements". No clear directions about what that means.
3/28/26 Employment certification PSLF form reviewed and completed
3/26/26: Employer signature
3/25/26: Employment certification PSLF form submitted.
3/22/26: 120/120 qualifying payment
7/2025: Buyback request #2 (never received offer)
7/24/25: Application processed. Payment went up approx $350/ month for IBR from SAVE
5/23/25: IDR Application completed to change from SAVE to IBR
5/2025: Buyback request (never received offer)
10/18/22: Direct Loan Consolidation