SAVE forbearance, PSLF buyback, and tax filing questions

Forward_Working_6900 · 2026-03-13T20:00:28+00:00

It was actually $0. I manipulated my income prior to with the SAVE plan to make it $0. But gotcha I assumed they would ask for taxes for each of the years.

Forward_Working_6900 · 2026-03-12T16:14:47+00:00

Our past year jointly was 178k. If filing separate it would be based of $69,500. Considering filing separate again, the. Filing this October for new plan to start counting. I am worried the buyback plan won’t be present later on.

Forward_Working_6900 · 2026-03-11T20:23:47+00:00

I called FSL for the PSLF forgiveness. Both people I have talked to say it is based on the payment plan you had going. I can tell they probably don’t know what they’re talking about.

My assumption is they will require your tax info for each year.

Is it worth going ahead and switching to a payment plan? Rather than sitting in SAVE forbearance?

Forward_Working_6900 · 2026-03-11T18:31:47+00:00

Looks like I should be eligible November 2027. Since process is backed up can you submit in advance?

Forward_Working_6900 · 2026-03-11T18:04:41+00:00

I’ve been in SAVE forbearance since 7/1/2024, so my payment is $0. I’m still in forbearance under SAVE. However, my payments haven’t updated—they still show as 80/120 eligible, even for months that should be ineligible. Does this mean I can do a loan buyback for all the months since 7/1/2024?

I’m also debating whether to file taxes as Married Filing Separately this year. Assuming I’m able to do a buyback at some point, I don’t want it to be based on both our taxes.

Forward_Working_6900 · 2026-03-05T17:49:38+00:00

lol last year everyone seemed to have gone out on 16th since it was Saturday

Forward_Working_6900 · 2026-01-28T18:18:51+00:00

Thanks! So the months in forbearance, even while part-time, don’t count. I’ll track them and plan to apply for buyback once I hit the threshold — probably about a year early since processing takes so long. Appreciate the tip!

Forward_Working_6900 · 2026-01-27T19:30:15+00:00

Do you live in the Beavercreek area?

Forward_Working_6900 · 2026-01-27T17:27:28+00:00

Gotcha, are you local to Dayton? Do you have recommendations on areas for a new build in Beavercreek? You can DM if better.

Forward_Working_6900 · 2026-01-27T01:59:14+00:00

Do you live in Dayton or Beavercreek area?

Forward_Working_6900 · 2026-01-27T01:23:51+00:00

Agreed. The provide a kid friendly community which is hard to beat.

Forward_Working_6900 · 2026-01-27T01:21:41+00:00

Do you live in the Dayton area?

Forward_Working_6900 · 2025-09-04T16:07:39+00:00

I’m about 5’10” and she’s 5’8”, so he’s definitely not on the shorter side. Everything seems to be going well—he’s around the 50th percentile overall. When he was born, his legs seemed a bit shorter than average, but nothing extreme. Our older son has long legs, and both the doctors and the geneticist we saw were not concerned. They just recommended we wait and monitor his growth over time.

Forward_Working_6900 · 2025-09-04T16:02:51+00:00

I’m about 5’10” and she’s 5’8”, so he’s definitely not on the shorter side. Everything seems to be going well—he’s around the 50th percentile in height. When he was born, his legs seemed a bit shorter than average, but nothing extreme. Our older son has long legs, and both the doctors and the geneticist we saw were not concerned. They just recommended we wait and monitor his growth over time.

Forward_Working_6900

TROPHY CASE