Hi Heather - My federal loans have been in forbearance and I’ve just brought them out and will start repaying them next month.  Before forbearance, I was on IBR and am post-forbearance, as well.  I do have a partial financial hardship.

I noticed on my account that my lender capitalized the interest that accrued while my loans were in forbearance and am confused by this, as I thought that the rule was no capitalization while on IBR with a partial financial hardship - even during forbearance.  Am I misunderstanding the rules, or is a call to my lender warranted?  Thanks for any insight you can provide!