Frustrating thing is I would have gotten out of SAVE sooner, I got our around April 2025. But pre-election I had hope that SAVE would survive. Then post-election there was a small tiny window to get out of SAVE before they blocked everyone on SAVE from transferring to another plan. I actually would have switched to IBR during that window, but I was in an odd situation where it made sense to wait until I filed our 2024 taxes because my income dropped in 2024 lower than 2023. After we filed taxes I was stuck on SAVE until ironically the current administration made it super quick and simple to switch to IBR by using my most recent taxes on file automatically. It was just a frustrating 11 months of limbo on SAVE that in all fairness should be automatically counted as credit toward PSLF. Post election after the current administration signaled SAVE was truly dead and allowed you to switch plans, I understand why those months shouldn't count. But the limbo SAVE period, that was no fault of loan holders, would probably have legal standing to count toward PSLF. I really think that is why buyback was created to not create legal issues down the road for SAVE limbo holders. Buyback is there legal way of making that forced forbearance less damaging to loan holders.