▲ 42 r/PSLFbuyback+1 crossposts

PSLF Buyback + General Forbearance While Waiting — Has Anyone Actually Done This?

Hi, I'm looking for real-life experiences from people who have gone through PSLF Buyback recently.

I submitted my PSLF Buyback request on March 6, 2026. I’m currently on IBR and working full-time for a qualifying employer. I understand that Buyback processing is taking an extremely long time.

My concern is that, for personal reasons, I may need to leave my qualifying employer before my Buyback offer is processed and potentially move to an employer that is not PSLF-eligible.

My understanding of the current Buyback rules/FAQ is that you need to have 120 months of qualifying employment, rather than necessarily remaining employed by a qualifying employer all the way until the date forgiveness is processed.

If that is correct, I’m wondering about the following scenario:

  • I reach 120 months of qualifying employment
  • My Buyback request is already pending
  • I leave my qualifying employer and move to an ineligible employer
  • I enter general forbearance while waiting for my Buyback offer, rather than continuing to make IBR payments that would not qualify for PSLF
  • Eventually ED processes my Buyback and sends me an offer
  • I pay the Buyback amount

Has anyone actually done this and successfully received a Buyback offer/PSLF forgiveness?

More specifically:

  1. Did entering general forbearance while your Buyback request was pending cause any problems?
  2. Did anyone leave their qualifying employer after reaching 120 months but before receiving the Buyback offer?
  3. Did ED still process the Buyback and send the offer?
  4. Did you ultimately receive PSLF forgiveness after paying the Buyback?
  5. If you were in this situation, did you continue making IBR payments or go into general forbearance?

I’m not asking whether general forbearance months themselves count toward PSLF — I understand they don't. My concern is whether being in general forbearance while an already-submitted Buyback request is pending can somehow invalidate the Buyback.

I’ve read the current Federal Student Aid Buyback FAQ, but some of the wording is confusing, so I’m specifically interested in recent first-hand experiences, especially from 2025–2026.

Thank you!

reddit.com
u/Competitive-War-9862 — 1 month ago

Need recommendation for tour in Hagia Sophia and Blue Masjid?

Hi we have only a few days left and I want a tour recommendtion please. The best walking tour.

Thanks

reddit.com
u/Competitive-War-9862 — 2 months ago

How likely am i to get Air France economy comfort seats for free at the Gate?

Does it typically happen? I am very tall and traveling on LAX to Paris flight in evening on the 18th. Thanks

reddit.com
u/Competitive-War-9862 — 3 months ago

Is 2-3 days enough for Athens?

Hi, We plan to get to athens on night of 19th and want to see the major attractions Acropolis, Plaka, but I looked at the temperature and it will be too hot for us. We are thinking to just leave after 2-3 days. any suggestions for an island to go to where it is not too hot? Also suggestions for best tour to go to while we are in Athens? Thanks

reddit.com
u/Competitive-War-9862 — 3 months ago

Umbrella insurance with high risk drivers?

Hi any advice on good Umbrella insurance policies, Monoline declined, RLI is a possibility but we need auto with $500k/$500k bodily injury which we don't have an option for. Thanks

reddit.com
u/Competitive-War-9862 — 3 months ago

Recommendations for a comfortable hotel in Athens city center arriving late at night?

Hi, we want to be in the center where all the activity is. Any suggestions for a place we can check into on Sunday night the 20th at midnight? Thanks

reddit.com
u/Competitive-War-9862 — 3 months ago

Recommendations for a comfortable hotel in Athens city center arriving late at night?

Hi, we want to be in the center where all the activity is. Any suggestions for a place we can check into on Sunday night the 20th at midnight? Thanks

reddit.com
u/Competitive-War-9862 — 3 months ago

Recommendations for late night arrival?

Hi, We are coming in very late at night at Athens on July 19th which is Sunday, like at 11PM. Any suggestions on places to stay close to city center where we can check in that late? Can we take a train from Athens airport to city center? Thanks

reddit.com
u/Competitive-War-9862 — 3 months ago

Best tour in Athens?

Hi, I am looking for the best most comprehensive tour in Athens later this month,my 20 yo son will go with my mom. Needing for both of them to have a comfortable time and someone who can drive them to all the historic sites in a group setting. Thanks

reddit.com
u/Competitive-War-9862 — 3 months ago

Connecting flight

Hi,
We will be coming to Paris (CDG) on connecting flight as will be going to Athens eventually. Our layover is about 24 hours (2:15PM on Saturday) and then next day it is leaving at 6:45PM. I know that CDG is about 45 minutes from city center. Where would you suggest to stay and how to get there so we can see some of the city? Thanks

reddit.com
u/Competitive-War-9862 — 3 months ago

Best tour in Athens?

Hi, I am looking for the best most comprehensive tour in Athens later this month,my 20 yo son will go with my mom. Needing for both of them to have a comfortable time and someone who can drive them to all the historic sites in a group setting. Thanks

reddit.com
u/Competitive-War-9862 — 3 months ago

Best tour in Athens?

Hi, I am looking for the best most comprehensive tour in Athens later this month,my 20 yo son will go with my mom. Needing for both of them to have a comfortable time and someone who can drive them to all the historic sites in a group setting. Thanks

reddit.com
u/Competitive-War-9862 — 3 months ago

Best tour in Athens?

Hi, I am looking for the best most comprehensive tour in Athens later this month,my 20 yo son will go with my mom. Needing for both of them to have a comfortable time and someone who can drive them to all the historic sites in a group setting. Thanks

reddit.com
u/Competitive-War-9862 — 3 months ago
▲ 1 r/csuf

Looking for Private Tutor in Social Sciences department for upper division courses

Hi,

I am looking for recommendations for a private tutor who is a current student or is a former student at Cal State Fullerton and has experience with social sciences classes at the University? This can be done virtually but must be residing in California. Thanks

reddit.com
u/Competitive-War-9862 — 4 months ago

Excluded Driver because permit?

Has anyone else experienced this with Tesla Insurance?

A household member over 20 years old with only a learner's permit was required to be listed as an excluded driver through the Tesla app. Tesla didn't provide a reason—only that he must be excluded?

Is this standard practice for permit holders, or has anyone been able to add a learner's permit holder as a covered driver instead? Thanks

reddit.com
u/Competitive-War-9862 — 4 months ago