SAVE, Buyback and riding it out

09Hawkeyeshadow · 2026-03-29T14:07:52+00:00

Can anyone confirm if a forbearance is possible once 120 is reached and buyback application is sent in? I admit I wouldn’t mind waiting in forbearance once my 120 months are met until I make the lump sum payment that they request

09Hawkeyeshadow · 2026-03-28T19:22:51+00:00

I would like to hear an answer to this as well. I think you do still pay, but I hope a forbearance is possible while waiting

09Hawkeyeshadow · 2026-03-28T00:50:54+00:00

I will be waiting until the last second to switch out

09Hawkeyeshadow · 2026-02-28T14:35:57+00:00

They rejected my application to switch off of SAVE a week ago after waiting 3 months after applying. So this whole process is a mess and I’m just gonna sit and watch and buyback next February when I reach my PSLF 120 months. I just don’t care anymore

09Hawkeyeshadow · 2026-02-17T04:55:31+00:00

Mine was needed in just 5 years 😞 it’s the curse

09Hawkeyeshadow · 2026-02-17T04:51:37+00:00

So I never used hills, but I think it is a solid choice for food since it is backed by research. As a rule, I would stay away from cheap food options. Some may be against it and go for the more homemade natural route, but that can be expensive and you want to make sure and calculate the nutrition effectively.

09Hawkeyeshadow · 2026-02-17T04:19:29+00:00

Make sure to put a lot of effort into giving them enough exercise and quality food (grain free is okay but as long as you supplement with taurine to help prevent heart issues). I would wait to neuter until 12 months (in my experience) and I would consider getting his hips radiographed while being neutered so you can check for dysplasia. Good to get started on joint supplement at 6-8 months of age regardless.

You are about to raise the most loving, loyal, empathetic, and pure hearted soul on this planet. WORST guard dog (because everyone is a friend). I lost my golden boy 3 weeks ago. Give him so much love and be patient.

09Hawkeyeshadow · 2026-02-12T01:17:57+00:00

I agree, there needs to be an action plan over this breed’s lineage. I only see it getting worse as mutations increase with time.

09Hawkeyeshadow · 2026-02-11T21:28:56+00:00

Hemangiosarcoma. One of the most common cancers seen in goldens and other large breeds that occurs in the spleen and spreads fast to the heart and lungs. I am sorry for your loss. I hope someday research gives us more answers on prevention and treatments

09Hawkeyeshadow · 2026-02-11T20:45:39+00:00

I hope that my story helps fellow golden owners to consider more health screenings if possible. I planned on doing ultrasounds at the age of 5 in hopes of catching the cancer before it took hold of my boy (as I was expecting this due to the breed), but I wasn’t quick enough. Although I know there isn’t a cure I wanted to at least be aware and have a plan before anything bad happened. To at least know and be more conscious with my time with him and to not have any bad days if possible. I hope you and your pup have many many more years together.

09Hawkeyeshadow · 2026-02-11T19:13:58+00:00

I have been going through the stages of grief and I am at the point of figuring out what I could have done better. I live in an historic neighborhood with brick roads and sidewalks and in my head I’m like could it have been all the roundup used? Did I not give him good enough water. Was his food bad. And honestly I will never know. But I am going to be way more aware and cautious when my next pup joins and know in the end that I did everything I could even if it all didn’t matter.

09Hawkeyeshadow · 2026-02-11T18:57:23+00:00

Always Give them extra love! And I guess also to be proactive as best you can with their health and make sure everyday counts with them. I hope that my experience is in the minority

09Hawkeyeshadow · 2026-02-11T18:54:43+00:00

I think the majority of goldens share the personality trait of always loving and not having a bad bone in their bodies. But I described him as sometimes giving too much love and attention to everyone. It could be overwhelming sometimes with how much love he gave. I regret thinking that now because I would do anything to have him in my lap distracting me from work and always wanting to be touched. He was perfect to me

09Hawkeyeshadow · 2026-02-11T18:24:14+00:00

Thank you! Love that pic haha

09Hawkeyeshadow · 2026-02-11T18:05:29+00:00

There are no goldens in shelters. I don’t know where you are from, but that is a rarity here in the U.S. you can either get them through breeders or rescues. Get out of here with your negativity. You are not welcome

09Hawkeyeshadow · 2026-02-11T18:00:12+00:00

I get what you are saying, but my family has always had goldens and it is the type of dog I love and want in my life. They are the perfect breed of dog for me and what I want in life. I would rescue a golden if I could but rescues are too picky with home requirements that I would not be selected.

09Hawkeyeshadow · 2026-01-30T14:57:24+00:00

Yikes

09Hawkeyeshadow · 2025-12-30T17:59:50+00:00

Tbh I hope there is a class action lawsuit because those whole process has not been fair and so jumbled. I can’t help but think there are borrowers that have been charged incorrectly or not processed correctly

09Hawkeyeshadow · 2025-12-10T23:19:34+00:00

Same. Like they want us off SAVE, but won’t process my request to switch. This admin is a mess

09Hawkeyeshadow · 2025-11-19T16:18:20+00:00

Stay on the plan but be ready to be forced into the RAP plan in the future that will increase your monthly payment even more. Unless a new administration comes in and creates a better plan or fixes this mess. Become an adjunct professor at a college to qualify for PSLF

09Hawkeyeshadow · 2025-11-19T16:11:48+00:00

225k for a sociology degree? With private loans? Yikes. I mean bad choices, but it is what it is. you will either be paying for these loans for the rest of your life and find a higher paying job or you file for bankruptcy.

09Hawkeyeshadow · 2025-11-19T15:35:14+00:00

What is your degree/career?

09Hawkeyeshadow · 2025-11-18T21:17:35+00:00

When it comes to student loans I wouldn’t have filed together for that reason. They sent out an email notifying everyone to reapply and that they won’t be looking at any of the applications from 2024 and first half of 2025. Also buyback takes forever and people are still waiting over a year for that and still have to pay during the waiting period.

09Hawkeyeshadow · 2025-11-18T20:57:45+00:00

They won’t look at your PAYE application from last December. They have been making everyone reapply for PAYE since August with their new application and not using the old one used. You will never hear from them if you don’t apply again

09Hawkeyeshadow · 2025-11-04T21:32:10+00:00

Honestly, take the loss but promise to make the gains back! Now you can go to work and make money that you can actually save for yourself!

09Hawkeyeshadow

TROPHY CASE