Started but didn’t finish recertification app and wondering if they’ll kick me off IDR if I don’t submit this application

Posted this over on PSLF as well but posting here so I can get more feedback.

I’m on course for loan forgiveness in November of this year. I started the recertification application for IDR two weeks ago before realizing I didn’t need to recertify until July. Hoped I could wait until July on my currently ~100 month payments then just pay the higher rate for a few months before forgiveness kicked in.

The problem/my question:

Got an email saying I need to finish my application by tomorrow otherwise it will be deleted and I’ll have to restart it.

Would I still be able to wait until July if I do not submit now or should I submit it tomorrow for fear of losing enrollment in my current IDR plan that gives me PSLF eligible/lower payments for a few more months?

Posted Apr 2, 2026, 10:36 PM UTC

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