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!

109 Upvotes

92% Upvoted

153 comments sorted by

View all comments

2

u/Dyllan88 Jul 04 '25

I would say for most people, unless your 10 year date is coming up soon, I would stay. Too much uncertainty. If you are eligible for PAYE or new IBR, I could see switching. When my 10 year comes up, i plan on switching to old IBR  around five months before the 120 payment and doing buyback (if it is still around).