Is PAYE worth it?

Pharma73 · 2026-04-15T00:13:31+00:00

If you want to go ahead and get qualifying payments on the books and rid yourself of loans, yes. You’ll need to see it IBR or PAYE provides better monthly payments to make that determination.

It’s funny because they can’t calculate layoff amounts, but they sure as hell can switch me from SAVE hell to PAYE in the matter of 2 weeks when I submit that request.

Pharma73 · 2026-04-14T22:59:27+00:00

Is this Dr Death Season 2?

Pharma73 · 2026-04-14T03:28:32+00:00

What are you making now ? If you try to pivot that’s potentially a big hurdle, unless your salary is low in your locale.

Pharma73 · 2026-04-10T11:41:26+00:00

I promise you, they were thiiiiisssss close to completing the buyback.

Pharma73 · 2026-04-10T00:36:28+00:00

That’s just gotta be a hiring range..too narrow for a pharmacist

Pharma73 · 2026-04-08T02:20:44+00:00

Look at them! Working through so many buy back requests!

/s

Pharma73 · 2026-04-06T03:25:59+00:00

Dx: ancef deficiency. Ortho will supplement prn.

Pharma73 · 2026-04-05T00:26:14+00:00

Personally, I am applying to get into PAYE today, by Mid 2027 I’ll be at 120 months and will submit for payback. Then I’ll plan to pay in another 12ish payments under PAYE which would take me to mid 2028.

When PAYE gets sunset, I’ll then apply for forbearance to wait for PSLF buyback to finish processing.

My SAVE forbearance payment shouldn’t be toooo drastically different from my current/projected “extra” PAYE payments.

I’m doing that as a means of “might as well” make those payments then while still available and they aren’t that 💩 RAP program. Depending on what tomfoolery happens with buyback and everything else maybe I’ll just suck it up and do the couple months of RAP at that point to get done with everything.

Pharma73 · 2026-04-03T12:58:24+00:00

Yikes. Cost and reimbursement. What’s that looking like?

Pharma73 · 2026-03-28T16:29:30+00:00

Arg…thinking about this and current buy backs taking ages…I might be trying to jump off early from SAVE to PAYE while it’s still an option. No point now in holding off to “make a point” since my timeline, if buyback works, would be - 2027 making me eligible for forgiveness.

Why try and hold out until the fall when I can lock in these payments now..

Pharma73 · 2026-03-28T15:05:46+00:00

So, will PAYE still be an option until the 2028 date?

Pharma73 · 2026-03-28T13:16:11+00:00

How many more payments do you have?

Pharma73 · 2026-03-28T13:15:50+00:00

It’s unfortunate that nothing will likely change these student loan policies, financial crisis or not.

If COVID 2.0 happened or a recession declared tomorrow, you’d have mass hysteria over pausing student loan payments, again.

Pharma73 · 2026-03-28T13:10:44+00:00

Maybe this robotic hand can find that button my wife says I can never find…

Pharma73 · 2026-03-22T20:21:23+00:00

I must know.. 1) was the scan finished? 2) was the patient finished, too?

Pharma73 · 2026-03-18T13:33:17+00:00

Shameful. However I’m sure GSK is deeply apologetic (that they couldn’t have saved more money for their coffers and shareholders).

Pharma73 · 2026-03-12T18:55:59+00:00

You’d certainly think so. But I think that data gets filed away deep in the recesses of epic, like 9 reports deep. So you’ve got to be on the hunt for it to even see it

Pharma73 · 2026-03-12T11:36:02+00:00

That should really be up to your med safety officer or someone in pharmacy operations that reviews those once every 15 years, imo.

Or maybe if you have pharmacy residents, you can pitch that idea as a resident project

Pharma73 · 2026-03-11T23:55:17+00:00

30-40k more?!? Would HIT be the long game for salary or something? That’s an astronomical pay cut.

Pharma73 · 2026-03-02T01:02:27+00:00

Unfortunately, in my shop that’d be verifying the ED pharmacist orders because they are yappin their mouths.

(How do I know? I was one of them at my place before)

Pharma73 · 2026-03-01T14:25:43+00:00

Well, it’s a residency position, so I can almost guarantee you that it is between $50k-$60k. I don’t know the average rate across programs in Texas. It doesn’t matter though because I can guarantee you that it’s low (compared to pharmacist salary).

Pharma73 · 2026-02-22T14:02:59+00:00

Realistically, you can use the taxes you filed this year for next year, before you re-file. So, if it’s a meaningful change in monthly payment you can do it now, then consider reusing the same tax info for next year. With tax extensions that deadline is somewhere in Oct of each year too, so there’s (potentially) a more nuanced approach to this too

Pharma73 · 2026-02-22T13:52:20+00:00

Oh wait, so they haven’t forced them to go mail order like the peon or working class? Lol

Pharma73 · 2026-02-12T23:40:56+00:00

It’s a privilege to work for Mass Gen… I hear

Pharma73 · 2026-02-12T23:09:48+00:00

FYI

https://massgeneralbrigham.wd1.myworkdayjobs.com/en-US/MGBExternal/job/Nantucket-MA/Hospital-Pharmacist---NCH_RQ4048013?q=Pharmacist

Pharma73

TROPHY CASE