r/StudentLoans • u/Substantial_Space248 • 1d ago

Advice IDR auto-recertification didn't work

So as title suggests, my IDR recert date was last week and this morning, I woke up to emails from AidVantage that my monthly payment would skyrocket from less than $50 per month (IDR) to over $1,500 per month (IBR). For context, I'm planning to go on PSLF next year (joining the military) so I've been keeping repayment low with IDR.

I have IDR auto-recertification on, so I called AidVantage, and was told by the rep who answered that she had put in a request to their banking (or finance?) office to check since she could see I had auto-recertify approved. She also wasn't sure what had happened, but told me I should expect to hear back by October 21st, a week from now.

My next payment is due November 10th so I have some time and can afford to wait out this week, but it's all a bit jarring. Has this happened to anyone else and is there any advice/experience anybody has to this situation? I can pay the $1,500 and not go homeless, but it would become a massive burden out of nowhere. Thanks all!

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u/dragonflygirl1961 22h ago

That was how I woke up this morning. The autocertification I signed up for didn't happen. Instead, with zero notice, I woke up overdrawn by $1208.72. According to Aidvantage, because I didn't recertify manually, even though I was signed up to recertify automatically not manually.

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u/Substantial_Space248 21h ago

It’s so frustrating because they don’t warn you the auto recertification is broken until after the deadline has lapsed. Have you contacted them?

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u/dragonflygirl1961 21h ago

I did. They told me they put me on a 60 day forbearance to figure it out.

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u/Substantial_Space248 21h ago

Good luck! Hopefully we both get our issues sorted out, this whole thing is ridiculous

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u/dragonflygirl1961 21h ago

Thank you! I am really frustrated for ypu, me, all of us.