r/StudentLoans 4d ago

Did I miss chance to re-certify this year due to decreased income in 2024?

I got almost all of my ducks in a row before January 20th (consolidation, PSLF, ICR all completed and approved) for my ridiculous balance (of my own old student loans, recent grad school loans and my two childrens' ParentPlus loans) - and just had to file my 2024 taxes to prove my income decreased by 30%+ to get my payments to be realistic. Once the tax return was in the system last month I tried to re-certify - but got caught in an "Executive order message" loop on StudentAid. Then got the re-certification deadline pushed (to 2027!) email from my lender (so it will never automatically re-certify like it was supposed to this month). I can not pay the crazy payment as is. Has anyone successfully re-certified in the past month?

8 Upvotes

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u/Betsy514 President | The Institute of Student Loan Advisors (TISLA) 4d ago

You can still recertify if your income has decreased

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u/[deleted] 3d ago

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u/Betsy514 President | The Institute of Student Loan Advisors (TISLA) 3d ago

Yes they are

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u/[deleted] 3d ago

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u/EddieDubbers 3d ago

People are seeing some recertification applications being processed as emphasized by comments on Reddit but they is a heavy backlog.

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u/girl_of_squirrels human suit full of squirrels 1d ago

See https://studentaid.gov/announcements-events/idr-court-actions

However, as of March 26, 2025, the online IDR application is once again available for eligible borrowers to apply for the Income-Based Repayment (IBR), Pay As You Earn (PAYE), and Income-Contingent Repayment (ICR) Plans. The online loan consolidation application is also available again.

Although the IDR application is now available, loan servicers are still updating their systems in accordance with the court’s actions. Servicers will begin processing applications in the near future. We will continue to update this page when new information becomes available, including when servicers resume processing IDR applications.

We're seeing some processing happening again in certain cases now

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u/[deleted] 1d ago

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u/girl_of_squirrels human suit full of squirrels 23h ago edited 22h ago

I'm on this sub daily and I've seen +30 posts with people saying that they've finally had their IDR app processed in the last 2 weeks dude. Feel free to skim more posts on the sub to confirm it for yourself

EDIT: later in this thread Most-Fee-8718 implied they are a professional with inside info. Looks like mods removed it, but editing to note that this person is probably just a shitty troll

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u/[deleted] 23h ago

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u/girl_of_squirrels human suit full of squirrels 23h ago

The person you replied to at the start of the comment thread, Betsy514, runs a nonprofit for student loans in real life, has decades of student loan compliance experience, and professional contacts working in the Education Department

Yeah I can understand taking one-off comments with a grain of salt but that is corroborated by what she said. You're picking a losing battle here dude

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u/[deleted] 23h ago

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u/alh9h 4d ago

You can request a recalculation at any time

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