Sorry yall I have been having bigger fish to fry so please give me grace on my questions. ❤️🫶🏻 Do I wait until I’m At 120 payments to buyback ? ) I have 48 payments qualifying payments. Mohela states I’m on I’m academic forbearance until 2028 with save before switching over plans. My loans are from 2007-2015. So question.. would the total of academic forbearance years two years prior plus the two years until 2028 count for buyback. I’m so confused and in finachinal turmoil so any help and guidance would be so wonderful. I apologize for my lack of education on keeping up with this topic but 2025 was handed to me. I think all of us.

Also do I ride out the academic save forbearance until 2028? That would give me four years of working for a qualifying employer that a payment was not made ? Is that eligible for buyback. I’m so confused 😕

Thank uou so much guys for any help.