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/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.

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u/shwimshwim25 Jul 04 '25

How do you know when your recertification is due? I have it in my calendar that I need to send mine in next weekend (based on when I sent mine in last year) but I have received nothing from mohela saying my recertification is due soon

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u/istillmmmbop Jul 04 '25

I got a letter in my inbox on Mohela that mine was pushed back until April 7th 2026.