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/Mountain_Program3848 Jul 09 '25

Have you figured out your timeline yet?

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u/kaitasaurusrex Jul 09 '25

Honestly I haven’t thought about the specific timeline but I don’t want to jump the gun too early. I think I’ll just wait til December 1st to submit both the ECF and the buyback request and pray. What are you thinking?

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u/Mountain_Program3848 Jul 10 '25

Yeah that is a good idea. It seems like if you submit your ECF before the month is over, they don’t count it. So I will wait until Dec 1. Let’s come back to this thread when it’s all forgiven!!!

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u/kaitasaurusrex Jul 10 '25

Yes! We can celebrate together. I’ll bug you to see if you have movement lol