Long time follower and interested in thoughts from people with experience. Three 3 consolidated loans (consolidated summer 2015, first payment showing 09/2015). Been on track and regularly recertifying income and submitted ECFs. Was stuck in SAVE forbearance with 8 ineligible payments, applied for IBR last year to just finish and be done. I did submit a buyback request last fall (October or November 2025).
I have a relatively minor payment count discrepancy/error. Two show the accurate number of payments, third is one lower, simply missing payment 05/2024 per FSA. All three were on autopay and no reason that one would have actually missed a payment one month.
My potentially last payment posted on 4/9/2026, was #120 qualifying for the two with accurate counts, #119 for the one missing. ECF submitted 4/20. April payment not on FSA yet and was unable to check the forgiveness button on submission. ECF completed 4/22, then on 4/24 received the update with April payment on FSA and ECF acknowledged, showing 120/120 for two loans, 119/120.
Debating next steps. I could just let the May payment go through on all three, resubmit ECF, and be done with it. Acknowledging it's an overpayment (officially on two, really on all three), and may or may not see a refund. Could try to fight to get the one missing payment acknowledged. I'd have to dig a bit and may be able to find my statement from 2024 as proof of payment. Or put in for forbearance on the two at 120 and try to let just the third have one more payment. I worry a bit about Mohela incompetence and making things more complicated. My monthly autopay is relatively modest and I can afford the overpay, while my total loan amount is quite high, so erring on the side of letting May post and not risk getting stuck in some bureaucratic limbo.
Appreciate any thoughts!