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Office Hours is a semi-monthly virtual student loan clinic presented by the Maryland Center for Collegiate Financial Wellness. We answer your questions in this free, trusted venue to help you navigate student loans and prepare for financial success beyond repayment. The content in this video is based on information available as of February 12, 2025. Hosted by Dr. Tisa (@tisasilvercanady). This edition covered topics including: whether a FERPA violation is grounds for loan cancellation where to advocate if you believe your privacy has been violated how to see IDR progress even without the IDR Payment Counter why old loans with a zero balance have PSLF Payment Counts how to find student loan interest rates Disclaimer: Office Hours is presented by the Maryland Center for Collegiate Financial Wellness for informational purposes only. The information presented does not represent financial or legal advice. Borrowers are responsible for all decisions and outcomes related to their student loan repayment and/or cancellation experience. The borrower experience is evolving, more changes are expected and we will share them in future editions of Office Hours. #Maryland #financialaid #FAFSA #studentloans #studentloanforgiveness #IDRadjustment #consolidation #parentplus #PSLF #gradschool #studentloandebt #FFELP #FFEL #officehours #mhec Content 00:00 Welcome 02:03 Community events 02:57 Maryland advocacy update, HB611 the Informed Enrollment Act 03:31 HB795, PSLF Employee Certification and Awareness Materials 04:25 Loan records missing from certain studentaid.gov screens 06:09 Can I get my loans canceled by sending a violation of privacy complaint? 08:02 How can I complain about unauthorized access to my student information? 09:44 Should I stay working as a public servant or will PSLF be disbanded? 13:20 Help! My PSLF count doesn't make sense 15:22 Why do my old (paid off) loans have a PSLF Count? 18:01 I consolidated and haven't heard anything. Am I eligible for PSLF or IDR forgiveness? 20:37 What is happening? I'm not eligible for PSLF. Is IDR forgiveness an option? 23:04 I don't see the Payment Tracker. How can I find my payment count? 25:09 Did the Department of Education take over PSLF? Is Mohela still the servicer? 28:58 I applied to switch from SAVE to IBR? My loans are in a forbearance. How do I know if I am in? 32:47 Is there any benefit in switching from SAVE to IBR? 35:25 My children have a 10 year gap. I know I need to do the FAFSA. What's happening? 38:47 What are student loan interest rates? I'm trying to figure out financial impact for the next 4-6 years. 41:59 I have a high balance. Can I attend school? 44:51 About the Maryland Student Loan Ombudsman