u/BxMS_LBA

Here are all the offers received and posted on r/PSLF since mid Dec. This is not AI data. I have checked every new post at least once every day since mid December for data points. Data collection criteria available upon request. Again, not a bot, nor AI generated.

Offer Received	Request Submitted	days waited
1/12/2026	11/1/2024	437.00
1/12/2026	11/1/2024	437.00
12/31/2025	9/1/2024	486.00
1/12/2026	3/1/2024	682.00
1/15/2026	7/1/2024	563.00
1/7/2026	12/1/2024	402.00
12/18/2025	3/1/2025	292.00
1/17/2026	12/1/2024	412.00
1/22/2026	11/1/2024	447.00
1/27/2026	2/1/2025	360.00
1/16/2026	7/2/2024	563.00
2/10/2026	10/1/2025	132.00
2/10/2026	12/19/2024	418.00
2/11/2026	11/1/2024	467.00
11/6/2025	3/25/2024	591.00
2/18/2026	7/1/2025	232.00
2/21/2026	9/1/2024	538.00
2/24/2026	12/1/2024	450.00
2/24/2026	12/1/2024	450.00
2/1/2026	12/1/2024	427.00
3/1/2026	9/1/2024	546.00
3/5/2026	11/6/2024	484.00
3/6/2026	12/16/2024	445.00
3/20/2026	4/12/2024	707.00
3/17/2026	4/1/2024	715.00
4/8/2026	12/1/2025	128.00
3/18/2026	11/1/2024	502.00
4/16/2026	7/1/2024	654.00
4/22/2026	9/1/2025	233
2/18/2026	12/6/2024	439
4/28/2026	9/26/2024	579
4/24/2026	12/1/2025	144
5/1/2026	12/30/2024	487
5/1/2026	9/1/2024	607
5/15/2026	9/1/2024	621
5/1/2026	12/30/2024	487
5/20/2026	9/27/2024	600
6/3/2026	12/1/2024	549
6/16/2026	11/1/2024	592
6/16/2026	10/8/2024	616
6/16/2026	10/1/2024	623
6/26/2026	9/1/2024	663
6/26/2026	10/15/2024	619
7/10/2026	10/1/2024	647
7/10/2026	10/2/2024	646
8/3/2026	10/7/2024	665
8/4/2026	10/21/2024	652
8/4/2026	10/1/2024	672
8/4/2026	12/2/2024	610
8/5/2026	12/9/2024	604

Since June, coinciding with the end of the AFT court ordered status reports, wait times to receive an offer for PSLF buyback requests have increased to an average of 614 days. (this is not AI generated data. If you would like a copy of my data collection protocol, pm me.)

11/6/2025	3/25/2024	591.00
12/18/2025	3/1/2025	292.00
12/31/2025	9/1/2024	486.00
1/7/2026	12/1/2024	402.00
1/12/2026	11/1/2024	437.00
1/12/2026	11/1/2024	437.00
1/12/2026	3/1/2024	682.00
1/15/2026	7/1/2024	563.00
1/16/2026	7/2/2024	563.00
1/17/2026	12/1/2024	412.00
1/22/2026	11/1/2024	447.00
1/27/2026	2/1/2025	360.00
2/1/2026	12/1/2024	427.00
2/10/2026	10/1/2025	132.00
2/10/2026	12/19/2024	418.00
2/11/2026	11/1/2024	467.00
2/18/2026	7/1/2025	232.00
2/18/2026	12/6/2024	439
2/21/2026	9/1/2024	538.00
2/24/2026	12/1/2024	450.00
2/24/2026	12/1/2024	450.00
3/1/2026	9/1/2024	546.00
3/5/2026	11/6/2024	484.00
3/6/2026	12/16/2024	445.00
3/17/2026	4/1/2024	715.00
3/18/2026	11/1/2024	502.00
3/20/2026	4/12/2024	707.00
4/16/2026	7/1/2024	654.00
4/22/2026	9/1/2025	233
4/23/2026	12/1/2025	143
4/28/2026	9/26/2024	579
5/1/2026	12/30/2024	487
5/1/2026	9/1/2024	607
5/1/2026	12/30/2024	487
5/15/2026	9/1/2024	621
5/20/2026	9/27/2024	600
6/3/2026	12/1/2024	549
6/16/2026	11/1/2024	592
6/16/2026	10/1/2024	623
6/16/2026	10/8/2024	616
6/26/2026	9/1/2024	663
6/26/2026	10/15/2024	619
7/1/2026	10/1/2024	638

Does anyone have any legit insight into why the AFT vs Dept of Ed joint status conference appears to have been rescheduled for a third consecutive month, now until August, 5th?

Process for collecting PSLF Buyback wait time data. First, the data represents a buyback offer that was processed, and resulted in an offer. The offer may have been a zero dollar payment, but must have been months bought back at zero dollars. The processing of the request could not have been triggered by meeting requirements (120 qualifying payments) on some loans (for example, undergrad loans) and buyback on remaining ( example, grad loans), as this may have triggered processing. The data represents what i think of as a straight forward buyback request without confounds, to provide a solid measure of wait time without additional noise. Every post, at least once every 24 hours, I check. Maybe I have missed some data. as you may be able to tell, I value data as a measure of truth. So, if you have data points of buyback offers that include a date submitted with the date the offer was received, that is for a buyback offer that wasn't triggered by partial forgiveness, share. Please, share. Make sure they are not saying their offer was closed because they reached forgiveness through traditional means. You have to filter those out because the data I present is wait times for OFFERS. Sorry if there was some confusion about that. You can always cross-reference any you think you have found against the raw data i had posted to make sure its not there. I also have the names of the OPs that correspond to each data point, so make sure you get those too and I will double-check the original post and add the data point if it's valid.

We only had 5 new data points each month for May and April. I'm at 470 days and counting. Average is 466. But don't worry, as they tell us "Your initial request will remain open, and we will process it in the order in which it was received."

Date Received	Date Submitted	Wait Time
1/12/2026	11/1/2024	437.00
1/12/2026	11/1/2024	437.00
12/31/2025	9/1/2024	486.00
1/12/2026	3/1/2024	682.00
1/15/2026	7/1/2024	563.00
1/7/2026	12/1/2024	402.00
12/18/2025	3/1/2025	292.00
1/17/2026	12/1/2024	412.00
1/22/2026	11/1/2024	447.00
1/27/2026	2/1/2025	360.00
1/16/2026	7/2/2024	563.00
2/10/2026	10/1/2025	132.00
2/10/2026	12/19/2024	418.00
2/11/2026	11/1/2024	467.00
11/6/2025	3/25/2024	591.00
2/18/2026	7/1/2025	232.00
2/21/2026	9/1/2024	538.00
2/24/2026	12/1/2024	450.00
2/24/2026	12/1/2024	450.00
2/1/2026	12/1/2024	427.00
3/1/2026	9/1/2024	546.00
3/5/2026	11/6/2024	484.00
3/6/2026	12/16/2024	445.00
3/20/2026	4/12/2024	707.00
3/17/2026	4/1/2024	715.00
4/8/2026	12/1/2025	128.00
3/18/2026	11/1/2024	502.00
4/16/2026	7/1/2024	654.00
4/22/2026	9/1/2025	233
2/18/2026	12/6/2024	439
4/28/2026	9/26/2024	579
4/24/2026	12/1/2025	144
5/1/2026	12/30/2024	487
5/1/2026	9/1/2024	607
5/15/2026	9/1/2024	621
5/1/2026	12/30/2024	487
5/20/2026	9/27/2024	600
6/3/2026	12/1/2024	549

You can continue to wait in good faith that your original buyback request has not been deleted, or you can simply click, resubmit, and have the piece of mind and a new confirmation email that you are still in the queue.

we are already seeing posts of borrowers being told to resubmit requests.

Ok. To think duplicates buyback requests slow down processing is a bit naïve, as is thinking removing duplicates will somehow speed up processing. There is no physical bottleneck holding things up. these requests do not physically exist..

Given the deception already employed by the dept of ed when they tell us requests are processed in the order received, combined with the demonstrated necessity for legal compulsion to fulfill obligations to borrowers such as with Sweet vs McMahon and Baur v. DeVos, the reasonable conclusion based on the evidence, and in the face of zero evidence to the contrary, is that removing duplicates does nothing to help borrowers; it can only help the dept of ed.

The need for legal compulsion for the dept of ed to fulfill obligations to borrowers has been demonstrated across two different secretaries of education under the same potus. To assume, given the deception I documented with data, and the legally documented history of delinquency towards borrowers rights, to assume the processing slow down, when the dept of ed said itself was due to 'complexity' of processing, is scientifically naïve at best and intentionally misleading at worse.

Wow! I find it shockingly irresponsible to waist time removing duplicates buyback requests in attempt to prevent the AFT from proceeding with their lawsuit in stead of taking the time and resources to actually process another request or two...hundred.... And I don't really want to hear about how it was easy to remove duplicates and processing is sooo hard.....

Let's just move on the blatant lying and deception: First, the lying. "Your initial request will remain open, and we will process it in the order in which it was received." I have posted data on here and will repost. The data shows a range of wait times from 128 days to 715 days. Anyone waiting longer than 715 days? Clearly, requests are not being processed in the order received. I mean, just plain lying to us. The explanation no doubt would be in how they define process. Obviously, though, process does not mean being completed in the order the requests are received. Process must mean split into one of the three batches or processing piles to sit forever while time is allocated to removing duplicates so they do not have to actually process requests and can avoid the lawsuit progressing.

Second ,I love the dead link to check status. nice touch. it looks good. real good providing a status update. they didn't tell us the blank page is the update; nada; nothing; zilch!

In anticipation of being informed after waiting another year that my initial request was 'accidentally' purged with the duplicates, I already submitted another request preemptively [save your hate-mail about clogging the system with duplicates. You should be more outraged about the dept of ed lying to borrowers!]...

The button was available. They must want two submissions or it would not be active for two submission, right? I mean if they can deactivate it after a second submission they could just as simply deactivate it after the first. They must want two, so give them what they want! Submit a duplicate! It doesn't have to make sense.

Below is the data refuting the dept of ed's statement: "Your initial request will remain open, and we will process it in the order in which it was received."

The column on the left represents the date the offer was received, the middle column the date the request was submitted, and the column on the right days waited.

1/12/2026	11/1/2024	437.00
1/12/2026	11/1/2024	437.00
12/31/2025	9/1/2024	486.00
1/12/2026	3/1/2024	682.00
1/15/2026	7/1/2024	563.00
1/7/2026	12/1/2024	402.00
12/18/2025	3/1/2025	292.00
1/17/2026	12/1/2024	412.00
1/22/2026	11/1/2024	447.00
1/27/2026	2/1/2025	360.00
1/16/2026	7/2/2024	563.00
2/10/2026	10/1/2025	132.00
2/10/2026	12/19/2024	418.00
2/11/2026	11/1/2024	467.00
11/6/2025	3/25/2024	591.00
2/18/2026	7/1/2025	232.00
2/21/2026	9/1/2024	538.00
2/24/2026	12/1/2024	450.00
2/24/2026	12/1/2024	450.00
2/1/2026	12/1/2024	427.00
3/1/2026	9/1/2024	546.00
3/5/2026	11/6/2024	484.00
3/6/2026	12/16/2024	445.00
3/20/2026	4/12/2024	707.00
3/17/2026	4/1/2024	715.00
4/8/2026	12/1/2025	128.00
3/18/2026	11/1/2024	502.00
4/16/2026	7/1/2024	654.00
4/22/2026	9/1/2025	233
2/18/2026	12/6/2024	439
4/28/2026	9/26/2024	579
4/24/2026	12/1/2025	144
5/1/2026	12/30/2024	487
5/1/2026	9/1/2024	607
5/15/2026	9/1/2024	621
5/1/2026	12/30/2024	487
5/20/2026	9/27/2024	600
6/3/2026	12/1/2024	549

At the very least, I got a warm fuzzy feeling. That was worth something. At the very best, it was preemptive for when the dept of ed say in the future that they accidentally purged all old requests and that everyone should resubmit. The other thing it does is it helps prevent the dept of ed from decreasing my number in the count without processing my request. My 469 day wait deserves to be counted twice in the number, and so does everyone else who has waited an ungodly amount of time.

Given the range of wait times borrowers have reported experiencing, clearly processing is not occurring in a first in, first out order. Clearly. So what? Doesn't that mean there is a pile of older requests, 650 + days, representing borrowers who are just stuck and being ignored? Is this not the dept of ed acting in bad-faith and isn't there precedent about that? and wait, I have heard of requests being held up waiting for information. For more than a year? two years? Really? Come on. born at night but not last night. Requests for information on microfiche can be fulfilled faster. Things can be made faster. food can be grown faster. How is this not just as clearly bad faith for those even waiting the average 465 days? Just because it is the average does not mean it is not egregious.

With the apparent randomness of processing requests combined with zero tracking, and secrecy of the process I can't help but think of it as a lottery. The more submissions we make, the better chance of our request being selected randomly from the thousands available : ) No wonder there have been so many duplicates.

Average wait time based on this information is 464 days for those who actually reported having their request processed and that request resulting in buyback offer, with wait times ranging from 132 days to 715 days. It should be noted that there is reason to believe there are pending requests older than 715 days.

Below you will find information about processed buyback offers posted here since mid Dec 2025. Information provided is from 36 separate posts, and includes the date the request was submitted, date offer received, and how long they waited. To be included, OPs had to have included at least the month and year the request was made and the offer received. If no day of the month was provided I assigned the first of the month; actual day of the month was used whenever possible. The information was excluded if the borrower obtained partial forgiveness through traditional means, as this may have triggered a review of their request and subsequent processing.

Duplicates are from separate OPs. I do have the coinciding OPs names for the data but have withheld for privacy.

the first column is the date the offer was received. The second column is the date the first (if multiple) request was made, and the third is the wait time.

1/12/2026	11/1/2024	437.00
1/12/2026	11/1/2024	437.00
12/31/2025	9/1/2024	486.00
1/12/2026	3/1/2024	682.00
1/15/2026	7/1/2024	563.00
1/7/2026	12/1/2024	402.00
12/18/2025	3/1/2025	292.00
1/17/2026	12/1/2024	412.00
1/22/2026	11/1/2024	447.00
1/27/2026	2/1/2025	360.00
1/16/2026	7/2/2024	563.00
2/10/2026	10/1/2025	132.00
2/10/2026	12/19/2024	418.00
2/11/2026	11/1/2024	467.00
11/6/2025	3/25/2024	591.00
2/18/2026	7/1/2025	232.00
2/21/2026	9/1/2024	538.00
2/24/2026	12/1/2024	450.00
2/24/2026	12/1/2024	450.00
2/1/2026	12/1/2024	427.00
3/1/2026	9/1/2024	546.00
3/5/2026	11/6/2024	484.00
3/6/2026	12/16/2024	445.00
3/20/2026	4/12/2024	707.00
3/17/2026	4/1/2024	715.00
4/8/2026	12/1/2025	128.00
3/18/2026	11/1/2024	502.00
4/16/2026	7/1/2024	654.00
4/22/2026	9/1/2025	233
2/18/2026	12/6/2024	439
4/28/2026	9/26/2024	579
4/24/2026	12/1/2025	144
5/1/2026	12/30/2024	487
4/1/2026	7/1/2024	639
5/1/2026	9/1/2024	607
5/15/2026	9/1/2024	621

Based upon all the buyback offers received and posted on here since December 2025 the average wait time is 460 days! That is based upon publicly sourced, available data. In fact, of 35 publicly sourced data points, only 6 were processed in less than a year. A disservice is done to all of us who have been waiting well over a year when nonsense timelines are propagated.