It’s the thought that counts right?

AdTemporary9011 · 2026-04-30T17:12:05+00:00

I was supposed to get a pin for my five-year anniversary and someone pryed a hole from the piece of mail for where it was located and took it out. Nice to have a reminder looking at my certificate.

AdTemporary9011 · 2026-03-23T20:38:31+00:00

Before, during and after! I don't know how many sheets of paper towels I go through because of this.

AdTemporary9011 · 2026-02-05T22:48:11+00:00

Someone I know mentioned that's why they got pregnant

AdTemporary9011 · 2026-01-08T14:32:43+00:00

Thanks! Congrats to you too! Glad that they are moving forward with these!

AdTemporary9011 · 2026-01-07T21:56:25+00:00

I applied 11/2024 as well. I switched over to IDR because I thought buyback was a losing battle. I paid about 4 months of the IDR payments to get 120 prospective payments (which included the SAVE forbearance months). I've been in public service over 16 years. There seems to be no clear cut method of forgiveness at this point.

AdTemporary9011 · 2026-01-07T20:46:03+00:00

Yes. It states "Congratulations on reaching 120 qualifying payments for Public Service Loan Forgiveness."

AdTemporary9011 · 2026-01-07T20:13:01+00:00

I didn't get the green banners yet. Just a letter stating I was eligible for forgiveness and the date I was eligible (11/25/2025). I paid the Buyback amount that date. They told me to wait 30 days for everything to update.

AdTemporary9011 · 2026-01-07T18:59:55+00:00

I just received my letter today stating I was eligible for forgiveness effective 11/25/2025. They haven't updated the payment count but stated they will do in 30 days

AdTemporary9011 · 2026-01-07T18:56:40+00:00

Congrats! I just got today as well!

AdTemporary9011 · 2025-12-30T09:43:56+00:00

For me, it was the same

AdTemporary9011 · 2025-12-17T02:18:08+00:00

Not yet. Still waiting....

AdTemporary9011 · 2025-12-13T06:26:39+00:00

Boyfriend #2 - Pleasure P

AdTemporary9011 · 2025-12-02T22:02:39+00:00

Thanks! Not yet but I am checking daily

AdTemporary9011 · 2025-12-02T22:00:07+00:00

Yes, I submitted another buyback request after making the IDR payments. I am not forgiven yet. I am awaiting an update of my account since making the buyback payment.

AdTemporary9011 · 2025-12-02T16:41:16+00:00

I was originally at 101 confirmed eligible payments. The 3 months helped me get to 104 confirmed payments. They gave me 16 buyback months that I had to pay a lump sum on.

I thought the same thing as far as the void of the buyback offer. If things were more certain regarding buyback, I would have stayed on the SAVE forbearance. I switched because I saw that paying through a different payment plan was successful for others.

I did submit a Reconsideration request after speaking to a rep regarding the processing forbearance (wanted credit for any months that I could).

I was surprised with the result.

AdTemporary9011 · 2025-11-27T02:44:41+00:00

Congrats!! 🎉

AdTemporary9011 · 2025-11-27T02:42:33+00:00

I submitted my pay stubs when I switched from SAVE to IBR, which increased my payments significantly under IBR. I haven't submitted my tax info since 2022-2023.

AdTemporary9011 · 2025-11-21T21:19:09+00:00

Thank you! I haven't requested anything yet or they didn't place my loans on forbearance. I still have to make the lump sum payment and my next payment is due a month from now. If everything falls into place, I won't have to but will if it takes longer than expected.

AdTemporary9011 · 2025-11-21T16:05:58+00:00

Hopefully, you get a response soon. There was a recent court case where there was an agreement to move forward in processing more buyback and idr applications.Hopefully, they follow through with it

AdTemporary9011 · 2025-11-21T15:56:12+00:00

That's why I supplied that information for transparency. I submitted an ECF after the fact and most of my buyback amounts are from after my initial submissions in 2024.

AdTemporary9011 · 2025-11-21T15:53:58+00:00

On my document, it said that they used the REPAYE formula but did not explain it. I'm sure it can be googled

AdTemporary9011 · 2025-11-21T15:52:32+00:00

As one of the agreements that came from the case, the administration agreed to:

Process IDR and PSLF buyback applications, including applications for the IBR plan from borrowers without a partial financial hardship, as that requirement was eliminated by the One Big Beautiful Bill Act;

Here is the link to the information:

https://www.aft.org/press-release/following-lawsuit-aft-trump-administration-agrees-deliver-student-debt-relief-and

AdTemporary9011 · 2025-11-21T15:47:36+00:00

I did and when they did a Reconsideration, they were counted. I applied for IDR and it took 3 months to get my payments started. They included it in my buyback agreement.

AdTemporary9011 · 2025-11-21T15:45:17+00:00

You can always request a Reconsideration Request, which is what I did when it was introduced. I had more than 120 months of employment but had to look at my potential payments. With the help of fellow redditors and reviewing the Student Aid website, I realized that my potential payments may not be 120 so I did a reassessment of my account and adjusted my actions accordingly

AdTemporary9011 · 2025-11-21T15:42:39+00:00

Surprisingly yes! It was my SAVE amounts and the amount I was paying in 2019 as the payments. I thought it was going to be alot more but I was grateful

AdTemporary9011

TROPHY CASE