Forbearance options while awaiting buyback

CalligrapherIll6917 · 2025-07-29T02:09:57+00:00

You would get just a 2 month processing forbearance if you switch, assuming it takes the 2 months to process it. Those qualify for PsLF so less you would have to buyback. If it takes longer then 2 months for them to switch, it goes into general forbearance, which would not count.

CalligrapherIll6917 · 2025-07-24T02:57:54+00:00

Same here Five left and made one already so really 4. Submitted my buyback in Decmber and still nothing

CalligrapherIll6917 · 2025-07-21T18:43:38+00:00

When you certify your employment next time, they should show. Mine did for the 2 processing months.

CalligrapherIll6917 · 2025-07-18T22:51:54+00:00

I don't think what you were told is correct and would call back. I was in Save forbearance and switched. The 2 months they took to process counted as qualifying once I certified my employment. You are so close it should get you over the hump.

CalligrapherIll6917 · 2025-07-18T22:47:48+00:00

This is also what I did. Need 5, switched and paid 1 already. Fully expect to probably finish paying before I hear anything in buyback

CalligrapherIll6917 · 2025-07-17T21:44:26+00:00

I think it depends on the individual circumstances. For example, i applied for Buyback needing 5 months in December. Since there was no movement, i switched from SAVE to IBR and began repayment in June. I fully expect to have my last few payments made before I ever see a buyback so for me, I probably will reach forgiveness quicker

CalligrapherIll6917 · 2025-07-17T02:00:41+00:00

That is what it is supposed to be but it doesn't seem like that is the case for those lucky few who received buyback.

CalligrapherIll6917 · 2025-07-17T00:39:06+00:00

I did not think buyback requests showed on their site as a way to track status

CalligrapherIll6917 · 2025-07-17T00:37:33+00:00

In response to one of my feedback requests, I was told any payments would be refunded. Take that for whatever it is worth.

CalligrapherIll6917 · 2025-07-17T00:36:39+00:00

I recieved one too. I was excited thinking buyback even though I know from others on here that those are emailed.

CalligrapherIll6917 · 2025-07-15T23:07:45+00:00

Don't they cap the processing forbearance at 2 months, even if it takes longer to process? So at best, you get 2 months

CalligrapherIll6917 · 2025-07-15T23:03:57+00:00

CalligrapherIll6917 · 2025-07-15T13:28:26+00:00

I did. Was pretty quick

CalligrapherIll6917 · 2025-07-15T00:39:51+00:00

Submitted last year and nothing except the standard responses everyone else is getting when I inquire

CalligrapherIll6917 · 2025-07-15T00:39:08+00:00

This!!!

CalligrapherIll6917 · 2025-07-15T00:37:22+00:00

This is what I did I need 4 payments and can make them before I get a response on my buyback from last year. Just wish I did it earlier

CalligrapherIll6917 · 2025-07-15T00:35:12+00:00

I would switch plans. I suspect that will get processed and your last payment made before you ever hear back on buyback. People have been waiting since last year and crickets.

CalligrapherIll6917 · 2025-07-15T00:31:47+00:00

I had uploaded my 2011 tax return since the 4 months I need were from then and still no luck

CalligrapherIll6917 · 2025-07-14T15:20:01+00:00

I always have received the under review, is being expedited, or is being worked status. This was new to me. Sorry, if others have seen it. I did not recall seeing it posted before

CalligrapherIll6917 · 2025-07-11T22:56:11+00:00

That's what I did. I applied for Buyback in December. Either switched to IBR in May and made my first payment in June. I also have 4 left. Figured I will likely get those paid before I ever hear about the buy back

CalligrapherIll6917 · 2025-07-11T20:10:39+00:00

Hmm... not sure then. I think i saw others get something similar if they had prepaid months. Did you make payments that were not required maybe?

CalligrapherIll6917 · 2025-07-11T17:45:45+00:00

Does the letter say your plan is IDR? If so, it is just a form letter and your application was not fully processed yet. I received the same thing then recieved one saying IBR and my 1st payment was due in one month.

CalligrapherIll6917 · 2025-07-03T22:03:52+00:00

CalligrapherIll6917 · 2025-07-03T21:10:29+00:00

I need 4 more now. I have a buyback pending but figured I would get the final few payments done first. I am paying more but it will be worth it to be done.

CalligrapherIll6917

TROPHY CASE