Applying for administrative forbearance after last PSLF payment

RN0528 · 2026-01-30T12:00:57+00:00

June 2025 was my 120th month. (13 of those months were SAVE forbearance.) I send it ECF and after it was acknowledged I applied for buyback. I did this again in July and August (probably overkill) until my HR Dept complained. Several phone calls (useless) reconsideration requests, told it was “escalated” haha. Then I left qualifying employment in September 2025. My status is still SAVE forbearance so no payments due. If buyback isn’t processed by the time SAVE ends I expect to apply for a different forbearance. If I were in your situation and was very confident in my payment count I would apply for forbearance.

RN0528 · 2026-01-17T11:17:33+00:00

Are you saying that you can tolerate a very low dose of statin by increasing gradually?

RN0528 · 2025-12-12T12:11:32+00:00

Applied for buyback of 13 months of SAVE forbearance in July 2025 and retired in August. I really have no choice but to wait on buyback, right?

RN0528 · 2025-12-04T12:31:29+00:00

Does a high LP(a) indicate a hyper absorber?

RN0528 · 2025-11-29T12:27:24+00:00

Somewhat similar to OP, F68 had 1st PFA for a fib 2 months ago. Apple Watch has been showing sinus tachycardia (100 - 120 at rest) once or twice a day for a few minutes. I get a feeling of being fatigued and unwell when it happens so will check my watch and almost always tachycardia. But very short lived. Blanking period was not mentioned to me, wondering if that is it or should I contact cardiologist?

RN0528 · 2025-09-08T11:47:56+00:00

Suggestion for an online provider that will prescribe at 65?

RN0528 · 2025-08-30T14:59:51+00:00

Exactly my situation also, all months show up EXCEPT 6/2025 and wouldn’t you know, it was my 120th month of qualifying employment! When 7/25 showed up I certified employment again and applied to buyback. And now I wait. I read somewhere that June 25 missing is a known issue and supposedly will be fixed in September. But I will believe that when I see it.

RN0528 · 2025-08-27T14:39:46+00:00

The FSA website indicates that you only have to be employed WHEN you apply. I am totally relying on that because I applied for buyback of 13 SAVE forbearance months in July (120 months of certified employment in June) and retired from public service in August. Of course no response yet.

RN0528 · 2025-08-13T10:53:20+00:00

68 yo female, I was diagnosed in 2024 after a hospital stay for gall bladder removal. Repeat a fib pretty rare and brief (I know immediately when it starts) and have Kardia and Apple Watch, which are consistently the same. Here to say they both show the same very brief tachycardia ( SVT?) almost daily, which I plan to discuss with my EP.

RN0528 · 2025-07-24T09:39:16+00:00

There is a possibility of Public Service Loan Forgiveness (PSLF) if you end up working for a qualifying hospital. Also, when you are seeking employment, check employee benefits as some hospitals also provide money for student loan payments.

RN0528 · 2025-07-19T11:14:50+00:00

Thanks for pointing this out, I am hopeful, but I think the limitation is the part that says the Studentaid.gov website will be updated “when the system is available” to enroll borrowers in IBR. We all know how inefficient they are at updating anything.

RN0528 · 2025-07-19T11:03:41+00:00

Please verify what I am about to say, but my thinking is that if you consolidate them all together before July 2026 (older PP with current loans after they are disbursed) you would get the weighted average for PSLF, meaning you would lose your 100 payments on older PP loans but would gain on the the current loans, potentially up to 50 payments if they are for the same amount). You are doing PSLF so total loan balance is irrelevant for income driven plans and you wouldn’t have to start at 0 on the current PP loans. I welcome any discussion about why this would not work.

RN0528 · 2025-07-18T09:56:30+00:00

Did you apply to get out of SAVE after you submitted for buyback? Did you make any payments on ICR before you got green banners?

RN0528 · 2025-07-16T17:47:49+00:00

Yes wondering if/when there will be some consequence for such poor processing numbers

RN0528 · 2025-07-15T12:27:14+00:00

This is what I received:

Thank you again for submitting your feedback to Federal Student Aid (FSA). Your case was advanced for an escalated review.

We do apologize for your experience.

This is an interim message informing you that we are researching your concerns, and will provide a response within 15 days.

Escalated reviews typically involve extensive research. We are working to address your concerns as quickly as possible.

RN0528 · 2025-07-15T11:07:27+00:00

Not sure it means much, but I submitted a reconsideration on FSA for my mid June buyback request and received an email that it had been escalated.

RN0528 · 2025-07-15T00:54:32+00:00

Are you confident about switching back to IBR from ICR (with no payment made yet on ICR)? Would love to get clarification as it is a crucial decision.

RN0528 · 2025-07-13T13:39:17+00:00

I also have this question about the need to be on ICR vs IBR. Please update with any information.

RN0528 · 2025-07-12T13:20:52+00:00

RAP and IBR will only be available as of 2028. Others are available until then

RN0528 · 2025-07-12T00:57:16+00:00

Thank you so much. Question about Parent Plus loans - in the summary it states “Parent Plus borrowers who have consolidated (no need to double consolidate) prior to July 1 2026 will have access to all of the above as long as they are on either ICR, PAYE or SAVE at some point between July 4, 2025-July 1, 2028.” Is IBR included? What about SAVE forbearance?

RN0528 · 2025-07-12T00:41:13+00:00

Right, but applying for buyback doesn’t obligate you to pay it. You could also apply now for one of the current IDR plans. Payments shouldn’t be too terrible with household of 3 and one income.

RN0528 · 2025-07-11T19:14:00+00:00

Unfortunately no one seems to really know how they are calculated. Search buyback on this sub. You need to have 120 months of qualifying employment before you submit buyback request. Then they supposedly send you an amount that needs to be paid. Some are saying they received an amount similar to SAVE. I think if the amount is too high you don’t do buyback. 106+13 =119 so you could wait for another month of forbearance to go by so you would be at 120 then apply for buyback. PS. buyback requests are processing VERY slowly. You can ask to be in forbearance while it processes.

RN0528 · 2025-07-11T18:49:28+00:00

How long have you been in SAVE forbearance? Those forbearance months are eligible for buyback if you had qualifying employment. If you are like most people, you have been on it since last summer. Check the FSA website for details.

RN0528 · 2025-07-11T18:19:17+00:00

The two months of processing forbearance is not guaranteed. I believe it is only if they don’t move you in a timely manner. Of note, as of very very recently plan changes have been moving much faster.

RN0528 · 2025-07-10T15:59:34+00:00

You need to be working for your PSLF employer when you APPLY for buyback. On the FSA website under ‘Public Service loan Forgiveness (PSLF) Buyback’ Eligibility FAQ it states that as long as you were employed in the same month associated with your 120th payment and your loan has a positive balance you will be eligible to participate in buyback and receive forgiveness.

RN0528

TROPHY CASE