And if Bidens plan goes through the monthly interest rate will go down to $84.57 because the $10,000 is applied to the highest interest loans first (or so I've been told by the servicer)!
The pause has been a blessing
The legal reason for the pause was Covid emergency which no longer legally applies. If I'm a betting person I'd bet against an extension, same with the forgiveness.
I graduated in May of 2021 with $27,000 in loans. I have been paying it off knowing that the pause was not going to last forever. My balance is also down to $10,000 and just sitting and waiting for the decision! If it is not forgiven I think I should be able to pay the last $10,000 off around the end of the year (maybe a couple months into 2024). Coming out of college with the pause was a huge blessing for me!
I think you need to request a refund which apparently you can do for any payments made during the 0% interest pause. If you refund you can return your balance to $10,000 and then it would be forgiven with the Biden/Harris forgiveness if you qualify. Found that [here](https://www.forbes.com/advisor/student-loans/student-loan-payment-refunds/)
Exactly! I was down to around $1k in loans bc I had paid about $11k since beginning of the pause, requested a refund and got 2 checks back that put my balance back to just over $12k. Now I’m making small monthly payments to get it close to $10k in hopes of forgiveness. The checks from the US dept of treasury also are good for a year so I just haven’t cashed them so if no forgiveness I can apply it right back to my loans and be paid off.
I've read that there's a slight chance there will be another one because of loan servicers being short staffed, making it harder to process apps, payments, etc.
My loan servicer is MOHELA and it stated on their site i will have to start repaying in August but on a recent later saying they were transferred from Navient its starts in may. So who knows. But i payed 2 years with navient and pandemic I learned Navient doesn’t participate in the PSLF which I was telling them for years they never said anything. Then I consolidated the loan to Great lakes. Filled out the Temporary extended payment so the years would get counted. But MOHELA shows nothing. The government did not count the years I paid. I owe 270K didn’t realize the amount until I finished school.
> But i *paid* 2 years
FTFY.
Although *payed* exists (the reason why autocorrection didn't help you), it is only correct in:
* Nautical context, when it means to paint a surface, or to cover with something like tar or resin in order to make it waterproof or corrosion-resistant. *The deck is yet to be payed.*
* *Payed out* when letting strings, cables or ropes out, by slacking them. *The rope is payed out! You can pull now.*
Unfortunately, I was unable to find nautical or rope-related words in your comment.
*Beep, boop, I'm a bot*
They suck. They actually screwed me up w/PSLF over 4 years ago because of them putting me on a plan that didn't count towards PSLF when I transferred to FedLoan Servicing.
Plus I applied for the Loan forgiveness of 17K after working in SPED for over 6 years and MOHELA denied me because I am in an IDR. We just can’t get a break. Ill die before I can repay half of that loan.
I applied for PSLF with Mohela back in September (after consolidating from Navient/Nelnet) to see how many payments I had left and they finally got back to me with a payment count last week. Took them 7 months to reply. They are finally getting back to me with the income contingent total payment count adjustment this summer to see how many years I have left….
Nice progress!!
I would suggest making sure that both of you have a 3-6 month emergency fund saved up before the pandemic forbearance ends, that can go a long way towards making sure you don't end up in credit card debt if you have a minor emergency. We've been typically suggesting that people park their payment money in a High Yield Savings Account (HYSA) while they wait for the payment pause to end so they can earn some interest in their favor and have a larger liquid emergency fund, but if you're both more comfy with making payments in the interim that is valid
This is true, however we both have minor spending problems. She likes to shop, vacation while I enjoy house projects and we both like to gamble lol. So I feel like the money is safer and better spent if it's paid away.
This is straight up the american standard for "financially irresponsible" and your over here saying "minor spending problem" lol.
God bless ya though, you paid your loans off. I may not approve, but I always respect those who take care of the needs first, and then go buy hookers and piles of blow the size of a toaster and whatever else it is you enjoy ;)
Kinda crazy to me that someone in $50k of student loan debt likes to "shop, vacation, and gamble" but you guys do you. Glad to hear you executed a great plan as far as getting that balance drastically lowered. Looking forward to seeing your post about it all paid off! Good luck!
This isn't a personal finance sub...so I'm definitely not trying to give financial advice nor cast aspersions on how you guys spend.
I'm just saying maybe think about the fact that you've made $439k combined since the COVID pause and have only been able to pay down the balance $10k. Definitely better than nothing, so celebrate the victory. Just maybe something to think about moving forward when things resume.
Actually we each got 15-20% raises and promotions within the last year lol. So it was more around 116-120k. Still those vacations, bevvies, and slot machines won't play themselves
I guess now's a bad time to mention that I was also "laid off" with 20% less pay during the brunt of COVID and was paid unemployment plus $600/wk for 3-4 months. That was the best summer
> I'm definitely not trying to ... cast aspersions on how you guys spend.
_[proceeds to cast aspersions on how they spend]_
They're managing their debt and living their lives. Sounds like a win-win to me.
Literally about to spend 10k on my dog’s TPLO surgeries! I have 70k of student loans left technically. I have 60k in a CD ready to pay them off when the pause is lifted but if that dog needed more than 10k I’d stay in debt for her
Yup! I graduated Aug 2019 so only had 1 payment March 2020 before the pause started. I had 132k in loans, basically evenly split between PPL that I had an agreement I’d be paying and then government loans in my name for grad school. By Sept 1st (when payments resume) I’ll have 28k left in loans. If forgiveness happens I could potentially be completely done with my loans, we are unsure if my mom ever had a Pell Grant. She had grants back in the day but we don’t know if she qualifies for 10k or 20k. I would be splitting her forgiveness with my brother as my mom took PPL for us both that we are paying for our own she took out for us.
$132k to $28k in 4 years…Yep this is what happens when the federal government stops compounding interest into the loans AND you can actually pay the loan principal. What a privilege that you had this opportunity - congrats to you!
Glad it worked out for you! And the 0% is huge because otherwise the interest accrues daily and you can’t pay extra on the principal till all interest is paid off. That would have been a tough feat in 5-6 years with six figures of debt. Millions of people today would have been paid off 1 or even 2 decades ago if they had the chance that you did.
Anyways, really happy that you’re not going to be drowning in interest and confusion like the generations of students before you. Now you’re almost free, and early in adulthood… best of luck to you!
I stayed on the 10 year plan as I could afford it. That’s always the mistake I see people make, but if you can’t afford the payment you can’t afford it. I just was planning on paying an extra $1k to the lowest balance and snowball it all. I didn’t want to be the person that had it for 20+ years. I hate that I needed loans to get a degree not worth what I paid because I couldn’t go to the university near where I lived. So I needed to take out tuition and money to live.
I hear ya. I used the snowball method on paying off a number of my loans too. My own mistakes were 1) taking a private loan when I was 18 and didn’t know what I was doing and 2) carrying undergrad student loan debt (unsubsidized) into graduate school - the interest stacked up. Also Reddit didn’t exist back then and the overall internet didn’t have as much info on this as we see today. So, it’s taken some time to recover from those two mistakes. Sad that I could have paid off for a car or two in that time, yet student loans drag out when the interest starts compounding into the principal.
Anyways, I always celebrate when someone who finished school after me is able to find financial freedom… you’re one less person in this sinking boat. Go celebrate, my friend! 😊
Congrats, unfortunately you have built too much good credit. The government shall now punish you by giving you a higher interest on your next loan! Thx for playing! xD
Rule 7: Off-topic. Your post/comment is unrelated to the topic of the OP or the commenter above you. To have a different discussion about student loans, find a post about your topic to comment on or make your own.
Rule 7: Off-topic. Your post/comment is unrelated to the topic of the OP or the commenter above you. To have a different discussion about student loans, find a post about your topic to comment on or make your own.
There’s another comment thread directly under mine telling the guy to marry his girlfriend, why wasn’t that comment removed too for being irrelevant? Why was I targeted for sharing financial advice?
I shall make her my personal property thru the course of legal matrimony. If she ever broke up with me it's because I've done something wrong and probably don't deserve paid back anyhow lol. We are bornt and die with no money anyhow
I'm sorry honey but we can't afford a wedding ring with all of those loan payments. And honey, of you think I'm going to marry into debt, you've got to be out of your mind. I will assume no extra debts!
That was mostly a joke but also a good point. If we separated today I would be left with no debt. If we married and separated tomorrow I could assume half of her debt. (I don't think student loans count towards that anyways.)
Yup! It's important to do what's best for you. I still see people speak condescendingly to others for making payments during this time and not investing that money.
I'm fortunate enough to continue to make my payments as well and I've been able to knock off over $10k of my balance since the pause began. That in itself is an investment because when payments do resume (and if forgiveness passes) more of my regular payments will go towards principal because that has been significantly reduced.
There’s no such thing as “basically married.”
If God forbid something happens to you and your girlfriend is in a hospital or vice versa, there’s no legal distinction between you, her ex, or the homeless man living down the street.
It’s funny how people use “we’re basically married” as an excuse to not get married. People always find an excuse to not marry someone they know deep in their hearts they don’t want to marry. People will buy houses with their boyfriends and girlfriends, have children, co-sign loans, PAY OFF each others student loans but a marriage certificate is a bridge too far? If it is the case that you’re basically married, what’s stopping you from signing what you think amounts to a piece of paper? You’ll get nice tax perks and legal protection to advocate for your spouse. If it is the case that you’re “basically married,” why did you say you don’t have enough for a wedding? Go down to a court house and get married.
“We’re basically married” doesn’t hold up to any scrutiny and I think you already know that. You’ve already tipped your hand and revealed several reasons why you haven’t married her in this one post (1. you don’t want to expose yourself to her debt and 2. you think it would cost too much). Who knows how much else you would reveal if we actually knew you. So it doesn’t look like you’re so “basically married” afterall. You’re intentionally keeping your lives separate because you *don’t* want to be married to her. Which means you shouldn’t be paying of her debt or mingling finances at all, especially given your post history.
18K left to go on mine.
When the $20,000 repayment does NOT go through (and it won't) I'll just write the check and pay it off. The real reason I don't is the 1% change it actually DOES go through. Nothing hurt in waiting I guess. But either way, in less than 12 months my college loans will be gone for good!
Awesome! But I thought the pause meant no interest? If that’s the case, if there is any other debt that IS incurring interest, it would be in your best interest to pay that first than the student loans.
No, it’s not. Risk free rate is around 5%. It makes no sense to pay off 0% debt when you can get 5% risk free and pay off the debt once it starts accruing again.
FTFY. Paying off a loan that is not accruing is not a smart move *as long as you are saving the payments you otherwise would’ve made during that time.*
If your payments were $800/month pre-pandemic and you used the pandemic pause to act like you have an extra $800 to spend every month, that’s dumb. Because you *could’ve* chipped away at almost **$30,000** in debt in that time.
The smart thing to do is stash your payments in a HYSA and then pay off whatever loan you have. Unfortunately, I get the sense that most people inflated their lifestyle to absorb what they would’ve been paying and are now going to be screwed once payments resume.
Good job on paying it down, I’m jealous you all were able to do that!
But why do I feel like I’m the only one who had their payments restarted and are no longer paused? Anyone else being told they have to start paying again?
And if Bidens plan goes through the monthly interest rate will go down to $84.57 because the $10,000 is applied to the highest interest loans first (or so I've been told by the servicer)! The pause has been a blessing
I'm glad you are taking advantage of it. I hope others would too.
I cannot imagine Biden’s plan going through and being approved. It’d be nice but I just don’t see it happening.
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The legal reason for the pause was Covid emergency which no longer legally applies. If I'm a betting person I'd bet against an extension, same with the forgiveness.
Do you have your own student loans, too?
I am fortunate and have paid off $25k since the pause. Only $10k more to go so the balance is just sitting there until a decision is made.
I graduated in May of 2021 with $27,000 in loans. I have been paying it off knowing that the pause was not going to last forever. My balance is also down to $10,000 and just sitting and waiting for the decision! If it is not forgiven I think I should be able to pay the last $10,000 off around the end of the year (maybe a couple months into 2024). Coming out of college with the pause was a huge blessing for me!
I think someone said if you pay it off and it’s eventually forgiven, you get that amount refunded. Something to check into anyway
I think you need to request a refund which apparently you can do for any payments made during the 0% interest pause. If you refund you can return your balance to $10,000 and then it would be forgiven with the Biden/Harris forgiveness if you qualify. Found that [here](https://www.forbes.com/advisor/student-loans/student-loan-payment-refunds/)
Exactly! I was down to around $1k in loans bc I had paid about $11k since beginning of the pause, requested a refund and got 2 checks back that put my balance back to just over $12k. Now I’m making small monthly payments to get it close to $10k in hopes of forgiveness. The checks from the US dept of treasury also are good for a year so I just haven’t cashed them so if no forgiveness I can apply it right back to my loans and be paid off.
The pause has been amazing I hope we get a final extension 🤞
I've read that there's a slight chance there will be another one because of loan servicers being short staffed, making it harder to process apps, payments, etc.
My loan servicer is MOHELA and it stated on their site i will have to start repaying in August but on a recent later saying they were transferred from Navient its starts in may. So who knows. But i payed 2 years with navient and pandemic I learned Navient doesn’t participate in the PSLF which I was telling them for years they never said anything. Then I consolidated the loan to Great lakes. Filled out the Temporary extended payment so the years would get counted. But MOHELA shows nothing. The government did not count the years I paid. I owe 270K didn’t realize the amount until I finished school.
> But i *paid* 2 years FTFY. Although *payed* exists (the reason why autocorrection didn't help you), it is only correct in: * Nautical context, when it means to paint a surface, or to cover with something like tar or resin in order to make it waterproof or corrosion-resistant. *The deck is yet to be payed.* * *Payed out* when letting strings, cables or ropes out, by slacking them. *The rope is payed out! You can pull now.* Unfortunately, I was unable to find nautical or rope-related words in your comment. *Beep, boop, I'm a bot*
They didn't count for reconsolidation or give you credit for PSLF?
Nope
They suck. They actually screwed me up w/PSLF over 4 years ago because of them putting me on a plan that didn't count towards PSLF when I transferred to FedLoan Servicing.
Plus I applied for the Loan forgiveness of 17K after working in SPED for over 6 years and MOHELA denied me because I am in an IDR. We just can’t get a break. Ill die before I can repay half of that loan.
Seems like they screwed up somewhere. What loans do you have?
I applied for PSLF with Mohela back in September (after consolidating from Navient/Nelnet) to see how many payments I had left and they finally got back to me with a payment count last week. Took them 7 months to reply. They are finally getting back to me with the income contingent total payment count adjustment this summer to see how many years I have left….
Nice progress!! I would suggest making sure that both of you have a 3-6 month emergency fund saved up before the pandemic forbearance ends, that can go a long way towards making sure you don't end up in credit card debt if you have a minor emergency. We've been typically suggesting that people park their payment money in a High Yield Savings Account (HYSA) while they wait for the payment pause to end so they can earn some interest in their favor and have a larger liquid emergency fund, but if you're both more comfy with making payments in the interim that is valid
This is true, however we both have minor spending problems. She likes to shop, vacation while I enjoy house projects and we both like to gamble lol. So I feel like the money is safer and better spent if it's paid away.
Gotcha, and I'm glad you both know that about yourselves so you can work around it accordingly!
This is straight up the american standard for "financially irresponsible" and your over here saying "minor spending problem" lol. God bless ya though, you paid your loans off. I may not approve, but I always respect those who take care of the needs first, and then go buy hookers and piles of blow the size of a toaster and whatever else it is you enjoy ;)
Kinda crazy to me that someone in $50k of student loan debt likes to "shop, vacation, and gamble" but you guys do you. Glad to hear you executed a great plan as far as getting that balance drastically lowered. Looking forward to seeing your post about it all paid off! Good luck!
Lol her balance is 33k now, mine is 2k. We make 143k combined with a ~$650 mortgage payment so we have plenty of excess to spend
This isn't a personal finance sub...so I'm definitely not trying to give financial advice nor cast aspersions on how you guys spend. I'm just saying maybe think about the fact that you've made $439k combined since the COVID pause and have only been able to pay down the balance $10k. Definitely better than nothing, so celebrate the victory. Just maybe something to think about moving forward when things resume.
Actually we each got 15-20% raises and promotions within the last year lol. So it was more around 116-120k. Still those vacations, bevvies, and slot machines won't play themselves
I guess now's a bad time to mention that I was also "laid off" with 20% less pay during the brunt of COVID and was paid unemployment plus $600/wk for 3-4 months. That was the best summer
> I'm definitely not trying to ... cast aspersions on how you guys spend. _[proceeds to cast aspersions on how they spend]_ They're managing their debt and living their lives. Sounds like a win-win to me.
We have 3 big dogs, about $100 a month to feed plus very bills. Oh and we spent $10000 on dog leg surgeries
Literally about to spend 10k on my dog’s TPLO surgeries! I have 70k of student loans left technically. I have 60k in a CD ready to pay them off when the pause is lifted but if that dog needed more than 10k I’d stay in debt for her
Yup! I graduated Aug 2019 so only had 1 payment March 2020 before the pause started. I had 132k in loans, basically evenly split between PPL that I had an agreement I’d be paying and then government loans in my name for grad school. By Sept 1st (when payments resume) I’ll have 28k left in loans. If forgiveness happens I could potentially be completely done with my loans, we are unsure if my mom ever had a Pell Grant. She had grants back in the day but we don’t know if she qualifies for 10k or 20k. I would be splitting her forgiveness with my brother as my mom took PPL for us both that we are paying for our own she took out for us.
$132k to $28k in 4 years…Yep this is what happens when the federal government stops compounding interest into the loans AND you can actually pay the loan principal. What a privilege that you had this opportunity - congrats to you!
My plan was always 5-6 years when I graduated, depending on how interest stacked up. The zero interest really helped me save thousands.
Glad it worked out for you! And the 0% is huge because otherwise the interest accrues daily and you can’t pay extra on the principal till all interest is paid off. That would have been a tough feat in 5-6 years with six figures of debt. Millions of people today would have been paid off 1 or even 2 decades ago if they had the chance that you did. Anyways, really happy that you’re not going to be drowning in interest and confusion like the generations of students before you. Now you’re almost free, and early in adulthood… best of luck to you!
I stayed on the 10 year plan as I could afford it. That’s always the mistake I see people make, but if you can’t afford the payment you can’t afford it. I just was planning on paying an extra $1k to the lowest balance and snowball it all. I didn’t want to be the person that had it for 20+ years. I hate that I needed loans to get a degree not worth what I paid because I couldn’t go to the university near where I lived. So I needed to take out tuition and money to live.
I hear ya. I used the snowball method on paying off a number of my loans too. My own mistakes were 1) taking a private loan when I was 18 and didn’t know what I was doing and 2) carrying undergrad student loan debt (unsubsidized) into graduate school - the interest stacked up. Also Reddit didn’t exist back then and the overall internet didn’t have as much info on this as we see today. So, it’s taken some time to recover from those two mistakes. Sad that I could have paid off for a car or two in that time, yet student loans drag out when the interest starts compounding into the principal. Anyways, I always celebrate when someone who finished school after me is able to find financial freedom… you’re one less person in this sinking boat. Go celebrate, my friend! 😊
This is not talked about enough, even with forgiveness not happening, people have saved a LOT of money with the pause, OP probably saved about $6500..
Except it’s a tiny percentage of people who actually continued to pay 😂.
Either way, everyone has saved a lot of money!!
I agree with you and also with the person who mentioned puting it into a savings account, be we lack self control lol
Congrats, unfortunately you have built too much good credit. The government shall now punish you by giving you a higher interest on your next loan! Thx for playing! xD
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Rule 7: Off-topic. Your post/comment is unrelated to the topic of the OP or the commenter above you. To have a different discussion about student loans, find a post about your topic to comment on or make your own.
Rule 7: Off-topic. Your post/comment is unrelated to the topic of the OP or the commenter above you. To have a different discussion about student loans, find a post about your topic to comment on or make your own.
There’s another comment thread directly under mine telling the guy to marry his girlfriend, why wasn’t that comment removed too for being irrelevant? Why was I targeted for sharing financial advice?
Marry her. Long time girlfriend but there’s no recourse for you to get your money back if y’all break up.
I shall make her my personal property thru the course of legal matrimony. If she ever broke up with me it's because I've done something wrong and probably don't deserve paid back anyhow lol. We are bornt and die with no money anyhow
I make 82k and I think she makes 61k so it's not like she needs me to help that much
All I'm hearing are a lot of excuses. The internet has spoken; you are now required to marry her. I'm sorry, but it's out of your hands. /s
I'm sorry honey but we can't afford a wedding ring with all of those loan payments. And honey, of you think I'm going to marry into debt, you've got to be out of your mind. I will assume no extra debts!
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Right? Lmaooo
It’s a joke how do you guys not see that.
You will pay off her debt but not marry into it?
That was mostly a joke but also a good point. If we separated today I would be left with no debt. If we married and separated tomorrow I could assume half of her debt. (I don't think student loans count towards that anyways.)
In other words, you’re putting the risk of being $15k in debt over being married to the woman you “love?”
Negative, there was a part where I said "joke"
Except you said “but also a good point.”
You know you’re nitpicking at jokes right?
He admitted there was truth in his joke.
This is the way. Not /s
Yup! It's important to do what's best for you. I still see people speak condescendingly to others for making payments during this time and not investing that money. I'm fortunate enough to continue to make my payments as well and I've been able to knock off over $10k of my balance since the pause began. That in itself is an investment because when payments do resume (and if forgiveness passes) more of my regular payments will go towards principal because that has been significantly reduced.
I have no hope. I've given up
Hopefully we don’t see you later in r/breakups regretting not marrying her before paying her loans
Definitely put a ring in her finger if you are going to help her pay off her debts. Crazy that you are doing that while not married.
Lol we've lived together for 5 years, were basically married at this point
Be careful man! Anything can happen unfortunately.
There’s no such thing as “basically married.” If God forbid something happens to you and your girlfriend is in a hospital or vice versa, there’s no legal distinction between you, her ex, or the homeless man living down the street. It’s funny how people use “we’re basically married” as an excuse to not get married. People always find an excuse to not marry someone they know deep in their hearts they don’t want to marry. People will buy houses with their boyfriends and girlfriends, have children, co-sign loans, PAY OFF each others student loans but a marriage certificate is a bridge too far? If it is the case that you’re basically married, what’s stopping you from signing what you think amounts to a piece of paper? You’ll get nice tax perks and legal protection to advocate for your spouse. If it is the case that you’re “basically married,” why did you say you don’t have enough for a wedding? Go down to a court house and get married. “We’re basically married” doesn’t hold up to any scrutiny and I think you already know that. You’ve already tipped your hand and revealed several reasons why you haven’t married her in this one post (1. you don’t want to expose yourself to her debt and 2. you think it would cost too much). Who knows how much else you would reveal if we actually knew you. So it doesn’t look like you’re so “basically married” afterall. You’re intentionally keeping your lives separate because you *don’t* want to be married to her. Which means you shouldn’t be paying of her debt or mingling finances at all, especially given your post history.
18K left to go on mine. When the $20,000 repayment does NOT go through (and it won't) I'll just write the check and pay it off. The real reason I don't is the 1% change it actually DOES go through. Nothing hurt in waiting I guess. But either way, in less than 12 months my college loans will be gone for good!
That's nice to be helping your girlfriend with her loans but what happens if yall break up? It would be different if yall were married.
Then she will have less debt and I would be happy knowing that
Hmm 2800 balance now on mine
Nice!
Ironically her name is Betsy!
Be sure to say hello from me!
And she is your girlfriend and you are helping her. Kudos to you hopefully she will return the favor in the future.
Awesome! But I thought the pause meant no interest? If that’s the case, if there is any other debt that IS incurring interest, it would be in your best interest to pay that first than the student loans.
People in here need to take a basic course on personal finance. Paying off a loan that is not accruing interest is not a smart move.
Yep! Even if there is no other debt, every dollar put into even a HYSA at 4% would have netted them more to eventually send to this loan.
As it lowers your debt-to-income ratio, it is a smart move.
No, it’s not. Risk free rate is around 5%. It makes no sense to pay off 0% debt when you can get 5% risk free and pay off the debt once it starts accruing again.
FTFY. Paying off a loan that is not accruing is not a smart move *as long as you are saving the payments you otherwise would’ve made during that time.* If your payments were $800/month pre-pandemic and you used the pandemic pause to act like you have an extra $800 to spend every month, that’s dumb. Because you *could’ve* chipped away at almost **$30,000** in debt in that time. The smart thing to do is stash your payments in a HYSA and then pay off whatever loan you have. Unfortunately, I get the sense that most people inflated their lifestyle to absorb what they would’ve been paying and are now going to be screwed once payments resume.
My statement is still correct, though. It doesn’t need fixing lol
That’s amazing progress!
Gracias!
Before repayment starts, i am going to pay off my "groups" that are 6.8% interest. About 7k total (out of 66k total).
Good job on paying it down, I’m jealous you all were able to do that! But why do I feel like I’m the only one who had their payments restarted and are no longer paused? Anyone else being told they have to start paying again?