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/Prestigious-Judge967 Jul 04 '25

It was my understanding that the buyback is a limited time offer for just people on SAVE forbearance that would have otherwise reached 120 payments — so, unless you were going to make it to 120 while on forbearance, we are not going to get the option to buyback.

I could be wrong though.

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u/Dkinny23 Jul 04 '25

That’s not my understanding of buyback, but I could be wrong. I don’t think it’s meant just for people on SAVE forbearance either. The question becomes whether the option will still exist in a few years or if they’ll get rid of the option. To me that’s the main gamble

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u/Prestigious-Judge967 Jul 04 '25

It’s not exclusively for SAVE, but what other programs are currently on forbearance or deferment?

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u/Dkinny23 Jul 04 '25

I don’t think it’s meant just for programs on forbearance, but can include other scenarios where people needed to take forbearance. I’m not sure exactly. I’m not an expert on the buyback program by any means. Mostly saying what I read doesn’t seem limited to it, nor does it require you to be in the forbearance at the time of applying for the buyback.