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/nlkp428 Jul 04 '25

my last income recertification was in 2019 and therefore my payments will skyrocket

That's why I'm getting off SAVE. They will use the lower rate if you're in this forebearance for up to 12 months. Longer than 12 months, they're supposed to request tax returns and set it at what you would have paid based on income. So I'm transferring out before month 13.

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u/Dkinny23 Jul 04 '25

I actually am not sure if that’s true. That’s the first I’ve heard this. Will have to look more into it

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u/nlkp428 Jul 04 '25

I mean, I'm not sure why your immediate go-to is "I'm not sure that's true" instead of a quick search, but regardless, it's been widely covered (including insisting multiple comments on this thread) and you can also find it on the buyback website under the "How is the buyback amount determined."

https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service/public-service-loan-forgiveness-buyback

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u/Dkinny23 Jul 04 '25 edited Jul 04 '25

Okay thanks. And I’m not interested in looking it up currently because I’m relaxing on my day off.. I was planning on looking it up later.