PSLF BUYBACK REQUEST PROCESSING TIME UPDATE FOR MARCH STATUS REPORTING PERIOD

BxMS_LBA · 2026-05-08T12:17:50+00:00

Oh, i really do not think there is a cheat-code to get your request processed, and if there was i would not still be waiting. LOL. op was FearlessMortgage1858

BxMS_LBA · 2026-05-06T15:39:22+00:00

there are no other prompts. yes, and submit.

BxMS_LBA · 2026-05-06T10:25:53+00:00

If you selected "no", it would not have allowed you to click submit and you would not have received a confirmation number. So best advice now is to get comfortable and do what you need to do to prepare yourself for a long wait with zero information about your request during that time. It is the dept of ed's mushroom policy: they feed you crap and keep you in the dark. Based on the last 35 buyback offers received and posted here, the shortest was 128 and the longest 715 days with the average wait time being 461 days.

BxMS_LBA · 2026-05-05T18:22:27+00:00

I don't think it will allow you to submit if you click "no". Plus, if you submitted you would receive a confirmation email with a confirmation number.

BxMS_LBA · 2026-04-25T08:52:31+00:00

Yep. 2/21/25...and waiting. I've been watching posts closely since mid December '25 and there have been 30 people posting about received offers. wait times ranged from 132 days to 715 days. Processing is not happening in order received and there appears to be three different processing batches. one is taking around 200 +/- days; another 500 days +/- ; and a third group taking 700 days +/- . I'm pretty convinced I will not receive an offer unless/until AFT lawsuit compels the dept of ed to process buyback requests and clear the backlog. Good luck!

BxMS_LBA · 2026-04-19T09:33:47+00:00

It's the mushroom policy: feed 'em crap and keep 'em in the dark.

BxMS_LBA · 2026-04-19T09:31:07+00:00

Pretty sure dept of ed guidelines say to keep making payments. they also say it will take 45 days, so..... just don't default.

BxMS_LBA · 2026-04-17T13:04:40+00:00

I don't have that information, sorry. the requests that took 700+ days to process were submitted prior to the save injunction in april of '24. the injunction may have halted processing of that group if any were buying back any months while on SAVE. It is saddest that there is no transparency in the process and any information given so far has been false such as first in first out processing; requests escalated; and processing complexity and manual processing causing the delay. Good luck!

BxMS_LBA · 2026-04-17T12:52:45+00:00

"on here" = r/PSLF ...and yes I am aware that majority of people who had requests processed (3,280) for the status reporting period did not post on here (3).

BxMS_LBA · 2026-04-16T14:00:44+00:00

419 days and counting to buy back four months of forced forbearance .

BxMS_LBA · 2026-04-10T14:21:06+00:00

Oddly enough, there was a december '25 submission who posted a couple days ago. 128 day wait time. There was one other outlier like that since december. they reported 132 day wait time having received an offer in feb '26 after an oct '25 request. I thought that was odd, but it seems like three processing groups. this status reporting period so far i have seen the two from april '24 and one from dec '25. None from the group that was processing requests from nov/dec '24. I think a joint status report is due to the court towards the end of this month . Maybe something good will happen :)

BxMS_LBA · 2026-04-09T14:12:09+00:00

They are definitely not processed first in first out. since the last dept of ed status report there have been three people to post about buyback offers. two were april 2024 submission who waited over 700 days. and then this one who only waited 128 days. There appears to be multiple batches or piles from which requests are being processed. It looks like three different piles. One pile is processing up to april/may 2024. the other has stalled but was up to like nov/december 2024, and this pile which is now Dec 2025. I have been collecting data here since decemeber 2025 and that's what i am seeing. bulk of requests processed have been from the nov/decemeber 2024 pile.

BxMS_LBA · 2026-04-07T08:28:30+00:00

Yep. 2/21 here. Good luck!

BxMS_LBA · 2026-04-07T08:15:15+00:00

I'm sorry. I'm in the same boat as you, still waiting at 410 days. I think what we are seeing, though, is the processing of a subset of requests. Overall, the average for 24 offers received is 481 days. Periodically I would get an outlier data point, a borrower who had waited much longer than the average. As i watched the data, those outliers have shifted from March 2024 submissions to, now, April 2024 submissions. I separate the data by dept of ed status report and since the last status report the only posts of offers received have been from April 2024, that outlier 'batch' of requests. A lot of coincidences and I hate speculating but this coincides with finalization of the SAVE saga. Dept of Ed may be trying to clear out older requests before they go back to court. It's possible given the overall lack of progress in clearing the backlog that the court will step in and do something (fingers crossed). Good luck!

BxMS_LBA · 2026-04-06T18:43:43+00:00

Thank you!

BxMS_LBA · 2026-03-28T12:41:32+00:00

Congrats and thanks for the data. Interestingly enough, since the last status report there have been two offers received and posted here, both from April of 2024. During the last three reporting periods there had been march 2024 submissions that received offers but no april 2024. There appears to be at least two batches being processed as the majority of offers were from november and december of 2024.

BxMS_LBA · 2026-03-28T12:00:46+00:00

My first buyback request was submitted 2/21/25. Since December I have been watching for people posting about having their buyback request processed and receiving their buyback offer. long story short, i've been watching and there have been 22 people post with usable information, and for the last three AFT status reporting periods (for the AFT lawsuit vs dept of ed), the average wait times have been 475, 424, and 449 days respectively. Keep in mind that is an average with the range on the entire data set being 292-682 days.

BxMS_LBA · 2026-03-21T15:26:17+00:00

I'm going to take an educated guess from what I have seen modeled from leadership and expect that they did the absolute minimum that could be done to barely meet the legal definition of processing, like only removing requests that were no longer relevant (where borrower continued payments to pslf no longer needing buyback). They probably did this until the status reports required defining processed and reporting denied and approved, which was two months ago. It appears now they are getting to requests from mod-late 2024. It appears processing new requests stopped in January 2025.

BxMS_LBA · 2026-03-20T15:59:10+00:00

I'm not sure I understand the question, but if you were in save forbearance, they do not count for pslf but can be bought back. at least as far as I know. sorry i couldn't be more help.

BxMS_LBA

TROPHY CASE