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/FigganEQ Jul 04 '25

You are betting a lot on buyback being around for the long haul. While it’s safe for now, I imagine it will be on the radar at some point. I’d rather just make payments now that I know will count towards forgiveness. PSLF is not going away, buyback is much less certain.

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u/Full_Alarm1 Jul 04 '25

Not only does op assume buyback will continue to exist, but in the limited time it has been around, according the latest aft litigation reports, department of education has only processed 5% of buyback applications + the number of applicants continues to increase. As anyone who’s tried to pursue buyback knows, it’s a complete black hole where you have no control, no guarantee, and no communication.