r/StudentLoans • u/CharlestonTrees119 • 1d ago

MOHELA- Recertification date ever moved up?

My partner and I (DINKs) are close to filing our taxes and deciding whether to file separately or jointly. We have filed separately the last several years due to my student loans. The document MOHELA recently sent me said my recertification is August 2026 meaning it will be based on 2025 tax returns. Given this, we are considering filing jointly this year (2024 returns) and then separate again next year (2025 returns) if needed. My question is: has anyone’s recertification date ever been moved up? Or is this a possibility?

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u/EddieDubbers 13h ago

People on SAVE, this is possible. Everyone else, it's higher unlikely given they have so much to fix on everyone's account. As far as the rules separate vs joint, I wouldn't count on them staying the same, expect both incomes to be combined in the future. You can always recertify early if you choose to once they start processing again.