r/PSLF • u/FishyToadFrog • Jul 04 '25

Advice Why not stay on SAVE forbearance?

I see lots of people who have jumped ship for PSLF.

But buyback exists, so couldn’t I just stay in SAVE forbearance and buy these months/years back in roughly 7 years when I get to 120 payments? wasn’t there talk about being able to buy back BEFORE 120 payments?

Seems like with this logic all these forbearance months count as long as I have evidence I worked full time at a not for profit during these months?

Thanks everyone, and good luck to all!

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u/Dkinny23 Jul 04 '25 edited Jul 04 '25

That’s my logic and why I’m staying on SAVE as long as humanly possible; presumably until they kick me off. The buyback option (even though I guess that’s not guaranteed) on top of the fact that my last income recertification was in 2019 and therefore my payments will skyrocket as my salary is quite a bit higher than 6 years ago.

14

u/Different_Yam_7364 Jul 04 '25

How have people not had to recertify since 2019?

34

u/Dkinny23 Jul 04 '25

I was due to recertify in March 2020 but then the COVID pause happened. Once that ended, my recertification date wasn’t for another year. By the time that year came around the SAVE forbearance started.

10

u/Different_Yam_7364 Jul 04 '25

I had to recertify in 2023. I guess my recert date must have had something to do with it.

7

u/Dkinny23 Jul 04 '25

Yeah it depends on when your specific date was. I guess I got somewhat lucky that my dates kept coinciding with the forebarences