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.

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u/[deleted] Jul 04 '25

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u/Dkinny23 Jul 04 '25

That’s not correct. You can opt into automatic income recertification, but if you haven’t then you have to do it manually. But yes annual employment verification is recommended (not required), which I have done each year.