Your PSLF Count Just Dropped. Here's What To Do.

Derek Wu goes solo to unpack the Education Department's confirmed rollback of Public Service Loan Forgiveness (PSLF) payment counts, a change that has already left some borrowers watching years of progress vanish overnight. He traces the story from CNBC's initial report of a borrower whose count dropped from 118 to 94, through the Department's shifting explanation from a vague "data error" to an admitted deliberate correction tied to forbearance and Extended repayment plan miscounts.

This episode is essential listening for anyone pursuing PSLF, especially borrowers unsure whether their payment count is accurate or at risk. Derek clarifies how this issue is distinct from the ongoing SAVE plan litigation, examines an advocacy group's unconfirmed warning about forgiven loans potentially being reopened, and lays out exactly what to do tonight to protect your progress.

- The Education Department confirmed a rollback of PSLF payment counts affecting some borrowers, separate from the SAVE plan lawsuit.

- The Department's explanation shifted from a vague "data error" to an admitted deliberate correction focused on forbearance and Extended repayment plan miscounts.

- Advocacy group Protect Borrowers has raised an unconfirmed concern that corrections could extend to already-forgiven loans.

- Borrowers should screenshot and date their current payment count, download the MyAid TXT file to cross-check totals, and gather employer certifications and pay records for forbearance or Extended plan months.

- The single actionable step: file a reconsideration request directly with Federal Student Aid rather than repeatedly refreshing the dashboard.

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