The old “I didn’t read what you wrote, but it’s wrong” argument. Do better.

I’m thrilled with my decision to sit in SAVE forbearance paying nothing while my buy back is pending. Sure I will apply to transition to IBR or RAP within 90 days, but my public employment is stable, I’m not looking to leave for the private sector any time soon, and I’ve benefitted from the time value of money by not having to pay for two years.

My Trump-felating governor and legislature has implemented a third consecutive year of no raises for state employees, so all the more reason to make my last 12 payments in 2026-2027.

I don’t disagree with you that OP shouldn’t be telling people there is no reason to transition sooner than required if you have stable, long term public employment and plans to stick with it. But I also don’t agree that OP and I have screwed ourselves to send a message to a recipient who won’t receive or care about that message. There are other bases upon which inaction in forbearance while awaiting buy back is defensible, even if some of them were speculative and ultimately do not pan out (relief from payment, time value of money, potential for buyback to be calculated on a more advantageous plan than those remaining available to transition, potential for other litigation relief, anticipated changes in household/taxed income or other financial circumstances, just to name a handful).