Navigating Buyback
Plenty of these posts, and we all appreciate the input.
Currently at 97* patients. Planning to certify 11 months (August 2025 - June 2026) with my current employer in July getting me to 108/120. I should be eligible to buyback 11 months (August 2024 - June 2025) to get me to 119/120
I am moving jobs to another PSLF eligible employer beginning July 1. It seems like there's a very long wait for buyback. Can someone validate that this plan below is the right approach, or stop me before I make a mistakef?
- Pay in July 2026
- Certify this month as eligible with my new employer in August 2026
- Once this payment has certified, then submit for "PSLF Reconsideration"
- Place my loans into forbearance as I wait for however long. Set aside money for the lump sum of those 11 months.
- Wait patiently
Thank you in advance for your input. Wondering if this is the right sequence, and if there's any benefit at all in waiting an extra month (i.e. also pay in August).
*About 10% of my loans are at 97 patients, the other 90% are at 98. Something about the timing or amount of my very first payment.