u/JapaneseWhiskyGuy

Maybe I'm just doing this wrong?

• 5/1 was my 120th month in qualifying employment.
• Submitted my final ECF on 5/2
• ECF fully processed by StudentAid today on 5/8
• StudentAid shows May 2026 as a qualifying payment

StudentAid says I have 108 months of "qualifying payments" and I have 12 months I want to buyback. I've submitted ECFs, which I can see in StudentAid, covering the full 120-month period.

So,

• I go to https://studentaid.gov/manage-loans/pslf-reconsideration
• I click https://studentaid.gov/pslf/reconsideration/borrower-information
• I'm sent to https://studentaid.gov/pslf/reconsideration/request
• I confirm my personal info is correct
• I see 3 boxes for Reconsideration Type: (1) Ineligible Employer, (2) Incorrect Qualifying Payment Count, and (3) PSLF Buyback. I click PSLF Buyback.

I'm greeted with this message:

> You’re Not Eligible for PSLF Buyback You must have 120 months of approved qualifying employment for PSLF Buyback.

> Our records show that you don’t meet this requirement. If you disagree with the qualifying payment count you received, you can submit a reconsideration request

The [Submit] button below this is grayed out and it won't let me click it. I saw other threads with people getting error messages, but it was of a different type. Am I doing something wrong here?

Like many, I had 2 months of (admin?) forbearance in June and July 2024 for MOHELA's "platform change" which then bled over into the SAVE Stay forbearance beginning in August 2024.

This month marks my 120th month of buyback-eligible PSLF service if I can buy back June and July 2024 in addition to 10 additional SAVE stay months.

Have any buyback success stories referenced the platform change months being eligible or not?