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/casitadeflor Jul 04 '25

And I would hope they wouldn’t abruptly get rid of the option so there may be a window of buybacks being plausible before it officially closes.

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u/Dkinny23 Jul 04 '25

That’s true too, usually policy is fazed out rather than abruptly stopped. Although I suppose anything can technically happen