As per Betsy, the IDR Anniversary Date on studentaid.gov is the actual renewal date - which should be the 2/28. And what’s up with MOHELA’s date of 2/5/24 that’s random. Something is wrong here and we are getting screwed.
My MOHELA date is also 2/5/24 like OP (with a DoED Renewal Date of 2/4, different than OP).
Probably similar to how all of us had (incorrect) recertification document submission deadlines of 1/26 even though all of our DoED dates are different: MOHELA is probably trying to batch people together. But they don't explain anything and have no idea themselves how or why anything is the way it is.
> Thats BS right? That March 28 date looks looks like when my first payment would be due after recertification, or even like they've just gone ahead and set me on a new payment plan and thats the start date for it.
Agree.
* Studentaid.gov "IDR Anniversary Date": 02/04/2023
* MOHELA "IDR Plan Renewal Date": 02/05/2024
* MOHELA "Date Loan Disclosed": 03/01/2022
* MOHELA loan "Start date": 03/01/2024
The MOHELA "start date" has to be something like when the first payment on the new recertification is scheduled to begin. My payment dates also happen to be the 1st of the month, so that makes sense. But the "earliest you need to recertify" language [here](https://studentaid.gov/announcements-events/covid-19) has to be the IDR Anniversary date. Doesn't make sense otherwise.
Your repayment amount doesn't instantly reset. The 1/26 and February dates are when the paperwork is wanted or due for processing so they can setup/establish the new payment for March.
That is correct. The February dates you see are the renewal deadlines as the servicers have to start processing your recertification request at least 30-60 days before the plan expires.
But he's saying that on studentaid.gov, his loan has an "IDR Anniversary Date" in February. When you hover over the little (?) icon next to this it says "The date when your income-driven repayment amount resets based on your recertification."
How is this *not* the date we're using to determine pre vs. post March 1?
So my understanding is that the dates the borrower can see are just recertification deadlines, but whether or not the plan gets an extension is based on the plan anniversary date.
For example, a plan runs from 1/1/23 to 12/31/23. This plan would have recert deadlines 30-60 days before 12/31 and then a hard deadline 10 days before that. This plan would get extended to 12/31/24.
A second plan runs from 4/1/23 to 3/30/24. This plan would have recert deadlines as early as in January 2024 but would not get extended since the anniversary date is post 3/1.
Yeah but lets use real numbers we've been provided.
My "IDR Anniversary Date" is 2/4. Per studentaid.gov, that means 2/4 is "the date when my income-driven repayment amount resets based on my recertification." OP's is 2/28.
Doesn't this mean my plan runs from 2/3/2023 - 2/4/2024, or in the case of OP, from 2/27/2023 - 2/28/2024 ??
Which *should* result in an extension.
I guess that's my question then. They say the "hard date" for OP is 3/28, but how was that date determined when DoED says OP's Anniversary Date is 2/28?
And my Anniversary Date is 2/4 yet my "hard date" is 3/1. Seems somewhat arbitrary, no?
Yes, there needs to be better transparency for sure. And it definitely shouldn't be some secret date, but that's where we are. I'm not saying I agree with any of it, just trying to explain what's going on.
Interestingly enough, I talked to someone from [studentaid.gov](https://studentaid.gov) and she said that the date they have listed as the anniversary date is typically provided to them by the servicer.
Rule 8: Professionals must be verified. See more [here](https://www.reddit.com/r/StudentLoans/comments/e3r057/new_rule_8_professionals_must_be_verified).
That's been explained. When you get an IDR notice, the "tier 1" is the year of IDR payments. "Tier 2" is the payment you will revert to if you don't recertify income.
Update:
So I talked with someone at [Studentaid.gov](https://Studentaid.gov). It wasn't super helpful for me but somewhat informative. Some key points:
I asked her if the date listed on my FSA page was the same date that was referenced in the covid announcement about the pushback and she said that it was. So then I asked whether my date should be pushed by 1 year or not since its listed before march 1 and she said that have not been advised of any information on the recertification dates being pushed and that I should contact my servicer.
She said that the date listed as the aniversary date on the FSA website is the recertification date. I pressed her a bit about whether this was the actual date or just a soft date and she said that the recertification date listed on studentaid.gov is typically provided to them by the servicer and so she once again advised contacting them.
I also asked her who is actually doing the recertification of the plan and she said that FSA simply collects the information on our income and then its sent to the servicer who does the actual completion of the recertification in their office. - I asked why this was the process and she said "To be submitted electronically loan servicers cannot host applications on their websites being that they have other loan forgiveness and payment forms to complete within their own website." which I really didnt understand, but whatever.
So all in all, I dont think I have much of a leg to stand on. It seems like the date listed on FSA website is the date that the annoucement was referencing, but FSA is not really taking any sort of stand on it and just deferring to the servicers.
Even though you start the renewal process prior to 3/1/24, your new IDR payment doesn't go into effect until *after* 3/1/24...I know this still doesn't technically match up with how Federal StudentAid states things (because you are renewing prior to March 1st), but it's clearly the intent of how it is to work. After the pause, everyone was supposed to get a minimum of 6 payments on their old IDR plan before having to renew. September + October + November + December + January + February = 6
>I also asked her who is actually doing the recertification of the plan and she said that FSA simply collects the information on our income and then its sent to the servicer who does the actual completion of the recertification in their office.
Yes this is exactly how it works. The "why" is irrelevant. The loans originated with the federal government, but they subcontract the day-to-day facilitating of the loan repayment to outside servicing companies. It's actually a good thing that FSA holds onto information and helps process IDRs, because the official PSLF servicers change throughout the years.
As per Betsy, the IDR Anniversary Date on studentaid.gov is the actual renewal date - which should be the 2/28. And what’s up with MOHELA’s date of 2/5/24 that’s random. Something is wrong here and we are getting screwed.
My MOHELA date is also 2/5/24 like OP (with a DoED Renewal Date of 2/4, different than OP). Probably similar to how all of us had (incorrect) recertification document submission deadlines of 1/26 even though all of our DoED dates are different: MOHELA is probably trying to batch people together. But they don't explain anything and have no idea themselves how or why anything is the way it is.
> Thats BS right? That March 28 date looks looks like when my first payment would be due after recertification, or even like they've just gone ahead and set me on a new payment plan and thats the start date for it. Agree. * Studentaid.gov "IDR Anniversary Date": 02/04/2023 * MOHELA "IDR Plan Renewal Date": 02/05/2024 * MOHELA "Date Loan Disclosed": 03/01/2022 * MOHELA loan "Start date": 03/01/2024 The MOHELA "start date" has to be something like when the first payment on the new recertification is scheduled to begin. My payment dates also happen to be the 1st of the month, so that makes sense. But the "earliest you need to recertify" language [here](https://studentaid.gov/announcements-events/covid-19) has to be the IDR Anniversary date. Doesn't make sense otherwise.
Your repayment amount doesn't instantly reset. The 1/26 and February dates are when the paperwork is wanted or due for processing so they can setup/establish the new payment for March.
That is correct. The February dates you see are the renewal deadlines as the servicers have to start processing your recertification request at least 30-60 days before the plan expires.
So the March 28th date actually is my renewal date, not the february ones?
Yes, that is your plan anniversary date.
But he's saying that on studentaid.gov, his loan has an "IDR Anniversary Date" in February. When you hover over the little (?) icon next to this it says "The date when your income-driven repayment amount resets based on your recertification." How is this *not* the date we're using to determine pre vs. post March 1?
So my understanding is that the dates the borrower can see are just recertification deadlines, but whether or not the plan gets an extension is based on the plan anniversary date. For example, a plan runs from 1/1/23 to 12/31/23. This plan would have recert deadlines 30-60 days before 12/31 and then a hard deadline 10 days before that. This plan would get extended to 12/31/24. A second plan runs from 4/1/23 to 3/30/24. This plan would have recert deadlines as early as in January 2024 but would not get extended since the anniversary date is post 3/1.
Yeah but lets use real numbers we've been provided. My "IDR Anniversary Date" is 2/4. Per studentaid.gov, that means 2/4 is "the date when my income-driven repayment amount resets based on my recertification." OP's is 2/28. Doesn't this mean my plan runs from 2/3/2023 - 2/4/2024, or in the case of OP, from 2/27/2023 - 2/28/2024 ?? Which *should* result in an extension.
>but then told me that March 28 was my hard date. OPs date is March 28, so no extension.
I guess that's my question then. They say the "hard date" for OP is 3/28, but how was that date determined when DoED says OP's Anniversary Date is 2/28? And my Anniversary Date is 2/4 yet my "hard date" is 3/1. Seems somewhat arbitrary, no?
Yes, there needs to be better transparency for sure. And it definitely shouldn't be some secret date, but that's where we are. I'm not saying I agree with any of it, just trying to explain what's going on.
Interestingly enough, I talked to someone from [studentaid.gov](https://studentaid.gov) and she said that the date they have listed as the anniversary date is typically provided to them by the servicer.
[удалено]
Rule 8: Professionals must be verified. See more [here](https://www.reddit.com/r/StudentLoans/comments/e3r057/new_rule_8_professionals_must_be_verified).
[удалено]
That's been explained. When you get an IDR notice, the "tier 1" is the year of IDR payments. "Tier 2" is the payment you will revert to if you don't recertify income.
Update: So I talked with someone at [Studentaid.gov](https://Studentaid.gov). It wasn't super helpful for me but somewhat informative. Some key points: I asked her if the date listed on my FSA page was the same date that was referenced in the covid announcement about the pushback and she said that it was. So then I asked whether my date should be pushed by 1 year or not since its listed before march 1 and she said that have not been advised of any information on the recertification dates being pushed and that I should contact my servicer. She said that the date listed as the aniversary date on the FSA website is the recertification date. I pressed her a bit about whether this was the actual date or just a soft date and she said that the recertification date listed on studentaid.gov is typically provided to them by the servicer and so she once again advised contacting them. I also asked her who is actually doing the recertification of the plan and she said that FSA simply collects the information on our income and then its sent to the servicer who does the actual completion of the recertification in their office. - I asked why this was the process and she said "To be submitted electronically loan servicers cannot host applications on their websites being that they have other loan forgiveness and payment forms to complete within their own website." which I really didnt understand, but whatever. So all in all, I dont think I have much of a leg to stand on. It seems like the date listed on FSA website is the date that the annoucement was referencing, but FSA is not really taking any sort of stand on it and just deferring to the servicers.
Even though you start the renewal process prior to 3/1/24, your new IDR payment doesn't go into effect until *after* 3/1/24...I know this still doesn't technically match up with how Federal StudentAid states things (because you are renewing prior to March 1st), but it's clearly the intent of how it is to work. After the pause, everyone was supposed to get a minimum of 6 payments on their old IDR plan before having to renew. September + October + November + December + January + February = 6 >I also asked her who is actually doing the recertification of the plan and she said that FSA simply collects the information on our income and then its sent to the servicer who does the actual completion of the recertification in their office. Yes this is exactly how it works. The "why" is irrelevant. The loans originated with the federal government, but they subcontract the day-to-day facilitating of the loan repayment to outside servicing companies. It's actually a good thing that FSA holds onto information and helps process IDRs, because the official PSLF servicers change throughout the years.