u/FriendlyVeggie

When I go to start filling out the application to move off of SAVE it asks this question:

Do you want to leave your loans in deferment or forbearance?

• If you leave your loans in deferment or forbearance, you won't make payments under your IDR plan until the deferment or forbearance ends.
• If you take your loans out of deferment or forbearance, you'll begin making payments under your IDR plan immediately.

Is there any harm in leaving them in forbearance? I don't want them to say I didn't pick a new plan in time because I didn't start payments right away.

Edited my post because people are getting hung up on me saying I'm not in a hurry but not answering the question.