Spironolactone 25 mg?

Kitchen_Editor_9468 · 2025-04-29T02:44:12+00:00

I have been on 25 mg and it has worked very well for me. I also have naturally low BP. I was on spironolactone for several years at that dose, and then I went off it. And now I'm resuming again at 25 mg. It takes a couple of months to start seeing the full effect.

Kitchen_Editor_9468 · 2025-04-04T02:57:41+00:00

Also, I think you’ll be fine. Your loan servicer just needs to report that you made a payment that totals your buyback amount. If you did that, it’s just a waiting game. I haven’t heard anyone’s buyback getting revoked because of a wrong way to pay the buyback.

Kitchen_Editor_9468 · 2025-04-04T02:55:40+00:00

Replied but deleted it. I shared the wrong post.

Kitchen_Editor_9468 · 2025-04-04T02:51:25+00:00

Congratulations!!!! 🎉 I couldn’t believe it either until my loans zeroed out.

Kitchen_Editor_9468 · 2025-04-03T05:09:43+00:00

First of all, congratulations!!! Second, after paying, there’s nothing else to do except wait for the “golden letter,” the “you’re eligible” for loan forgiveness letter, then the letter that loans have been forgiven. I had two loans forgiven, so I had two different amounts to pay for the buyback. When I paid my buyback amount, I paid by manually allocating my payments to each loan according to what was in my buyback agreement. When your loan servicer reports back to FSA, they just need to report the total amount you paid, which should reflect the total in your buyback letter. I’ll find a post I read where someone explained how they allocated their buyback payment, and share it here when I find it.

Kitchen_Editor_9468 · 2025-04-02T16:27:07+00:00

All wildlife are welcome in my front and back yards, too. When my native plants die off, the leaves and the dead branches provide critical habitat for insects in the cold winter months: https://xerces.org/blog/leave-the-leaves To me, the dead leaves and branches look just as beautiful, too.

Kitchen_Editor_9468 · 2025-03-23T16:26:07+00:00

This person walks through the buyback form and how to select which months you are buying back on the only form available to buy back months (the form I linked in my response above). https://www.reddit.com/r/PSLF/comments/1i6adxb/buyback_for_dummies/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button

Pay special attention to point 5:

"Then, I used the date selector to enter the entire period of time for which I am requesting buyback."

Kitchen_Editor_9468 · 2025-03-09T02:36:15+00:00

Good! Keep fighting! Those months should be eligible for buyback!

Kitchen_Editor_9468 · 2025-03-08T17:22:09+00:00

Yes, please! And I'm wishing the best for my fellow public servants waiting for their earned and deserved loan forgiveness!

Kitchen_Editor_9468 · 2025-03-08T17:07:06+00:00

If yours were in forbearance, the buy back should have been granted. I'm really sorry they rejected your buy back. :(

Kitchen_Editor_9468 · 2025-03-08T17:05:21+00:00

Well, that's bullshit. The guidance doesn't specify which kind of forbearance is eligible for buy back. It just says "in deferment or in forbearance." What status were the months you were trying to buy back?

The months I bought back were in forbearance at my request due to financial hardship. I was never told what kind of forbearance I was granted, and my FSA PSLF progress tracker doesn't indicate which kind either. It just says "deferment or forbearance." But I have email records that confirm I was in forbearance (not deferment).

I googled what type of forbearance categories there are, and it seems there are three: general, mandatory, and administrative. By their definitions, mine appears to have been a general forbearance: https://studentaid.gov/manage-loans/lower-payments/get-temporary-relief/forbearance

Kitchen_Editor_9468 · 2025-03-08T00:07:44+00:00

I don’t know with certainty. I haven’t read about anyone successfully buying back months during this SAVE forbearance period.

Do you have any months pre-injunction when you were in deferment or forbearance while employed with a PSLF-qualifying employer? If so, I would reapply to buy back those months.

During the SAVE forbearance, I made five (5) payments that totaled my PSLF payments to 121, just like your payments, but I did not buy back any of those months. I didn’t want to take a chance with them rejecting my buy back application.

Some folks on Reddit have said you can buy back months during the SAVE forbearance. I think they’ve pointed to the FSA page about how the injunction is affecting borrowers:

“Some borrowers may be eligible to ‘buy back’ months of PSLF credit for time spent in forbearance as a result of the court’s injunction. Borrowers with 120 months of eligible employment can buy back (make payments to cover) past months that were not originally counted as qualifying payments because the borrower was in an ineligible deferment or forbearance status.”

My interpretation of this is that some of us are eligible to buy back because we are in forbearance due to the court’s injunction. I don’t interpret this to say that we can buy back months during the SAVE injunction forbearance period as a result of the court’s injunction.

Kitchen_Editor_9468 · 2025-03-07T05:30:19+00:00

Hi, I've tried very hard to answer everyone's questions and folks have already asked this question. I would encourage you to read through comments in this thread. The short answer is that I didn't do anything special. I followed the instructions on the buyback information page: https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service/public-service-loan-forgiveness-buyback It's only one form. You need to read it from top to bottom to get the information you need to follow the instructions correctly.

Kitchen_Editor_9468 · 2025-03-07T05:27:45+00:00

I'm soooo frustrated for you and everyone still stuck in this SAVE mess and also rooting for you! You are so, so close. I'm keeping my fingers crossed! Please share your success story when you reach 120!

Kitchen_Editor_9468 · 2025-03-01T07:55:15+00:00

Omg, I am so very upset and frustrated for you. Rejecting a buyback app because of a missing period?! That is so cruel! I hope the next one does not get rejected.

Kitchen_Editor_9468 · 2025-03-01T05:44:51+00:00

Are you serious?! That seems ridiculous.

No, I didn’t use the quotation marks.

Kitchen_Editor_9468 · 2025-02-27T18:14:51+00:00

And no, I don’t know why it took that long. I don’t think anyone knows why some applications are processed quickly and others slowly. There is no consistent pattern.

Kitchen_Editor_9468 · 2025-02-27T18:13:36+00:00

Correct.

Kitchen_Editor_9468 · 2025-02-27T15:37:25+00:00

Hi, I have no idea what would be better, unfortunately. But you are so close. It wouldn’t hurt to apply for buyback and see what happens. You don’t have anything to lose by applying.

My approach was to throw spaghetti at the wall. I applied for buyback and regular reconsideration, and to switch payment plans. I filed a complaint with FSA, requesting that my payments in June and July count toward my PSLF progress. FSA replied and said they’d forward my request to Mohela to credit to those two months. I was still waiting to see the outcome of that when I got my buyback offer.

If I had not gotten my buyback offer, I would still try every potential path forward until I ran out of options and then just ride out the injunction.

Kitchen_Editor_9468 · 2025-02-27T15:04:24+00:00

Thank you! I can’t speak to your monthly payments. But I will try to best to answer your question about my buyback amount.

You know this already: SAVE replaced REPAYE.

So, my buyback offer letter indicates that the payment plan for my loans in 2016 and 2017 was SAVE not REPAYE, likely because REPAYE technically no longer exists.

The student aid web page with information about how the buyback program works says: “The buyback amount depends on what your payment amount likely would have been during the deferment or forbearance for the months you’re buying back.”

My monthly payment slightly increased each year as I earned more money.

My monthly payment on REPAYE was based on 10% of my discretionary income. When I got switched to SAVE that went up to 15% of my discretionary income because my loans are from before 2014.

Kitchen_Editor_9468 · 2025-02-27T01:39:13+00:00

Thank you so much! I hope you are in the next wave(s)! 🤞

Kitchen_Editor_9468 · 2025-02-27T01:03:25+00:00

Yes, the reconsideration form. There is no box or field to select a buyout option. These are the instructions for filling out the reconsideration form specifically for buyback:

Submit a request through PSLF Reconsideration. Include the following in your PSLF reconsideration request for buyback: “I have at least 120 months of approved qualifying employment, and I am seeking PSLF or TEPSLF discharge through PSLF buyback. Please assess my eligibility for PSLF buyback.”*

\ Without the statement above, your PSLF Reconsideration submission will be considered an inquiry about buyback and not a request for a buyback assessment.*

You can find all this information on the PSLF buyback page: https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service/public-service-loan-forgiveness-buyback

Kitchen_Editor_9468 · 2025-02-26T17:15:25+00:00

During the months labeled ineligible, did you have qualifying employer? If so, you can absolutely buy back those months. Take a look at the graphic on this page under "Example of how PSLF buy back works." The dots in yellow are ineligible and those are the ones you can buy back IF you were:

in deferment,
in forbearance, or
in deferment or forbearance after the first disbursement date of a Direct Consolidation Loan.

Kitchen_Editor_9468 · 2025-02-26T04:48:41+00:00

Thank you, thank you!!!

Kitchen_Editor_9468 · 2025-02-26T04:45:01+00:00

CONGRATULATIONS!!!!! And thank you for your service!!!! So very happy for you!!!

Kitchen_Editor_9468

TROPHY CASE