Direct Loan (ACS) no longer provides automatic administrative forbearance during the review process of IBR or deferment applications unless the borrower explicitly requests forbearance.
This morning a school hotline representative further confirmed that an IBR application takes approximately 30 days.
If you are still awaiting the approval of your IBR application, please request a status update from your lender and one month forbearance if needed.
You can reach Direct Loan (ACS) at 1-800-848-0979.