7 months left… what should I do?

If you're at 113 eligible as of this month then you will hit 120 in August. I'd just wait to submit your final ECF then; its fine if its over a year.

Are the 113 payments as of 01/24 or back in 04/23? If back in 04/23, recerify now.

Edit: You should recertify every year.

If i were u, i would wait 9 months, so the end of October. Because sometimes it isn't clear where does the tracker pickup : the day u submitted the form or the day you received the updated PSLF. Because it takes a couple of months for the form to get processed and it would suck if u are at 119. And have to resubmit. I was at 109 in 2022 August so i waited until 11/1/2023 to submit my form. I got 124 on the updated tracker. It best to be over than under.

I certify payments every few months. It’s usually been for when HR dates the paperwork not when they receive it to Mohela

Others have posted here that you can submit your ECF form when the bill for that month is available and you make your qualifying payment. Apparently, you don’t need to wait for it to show up on the tracker.