u/fventricle

Has anyone extended their lease? Is that possible?

Worked as a research assistant.

How come this is not eligible for PSLF? Or is it?

I was about to switch to RAP this morning because the payments are lower and I plan to do buyback in September because I will reach 120 payments theoretically at that time.

I’m currently on MOHELA.

When I went to submit, I received this message with options to choose a new servicer. But it also states that there might be a delay in doing this. MOHELA is an option for me to choose.

In order for us to better process your loans under the Repayment Assistance Plan, we need to move your loans to a single loan servicer. On this page you can select the loan servicer you’d like us to move your loans to. Any activities needed on your loan(s) will be slightly delayed due to this transfer to your selected servicer.

I'm planning to apply for PSLF buyback around 9/3/2026, when I'll have the equivalent of 120 qualifying payments.

My wife will be in a similar situation, but she won't be eligible for buyback until approximately 9/3/2027.

We filed our 2024 taxes jointly. We have not yet filed our 2025 taxes, and because my income increased substantially in 2025, we plan to file separately for that tax year.

Both my wife's and my income recertification deadlines are 9/3/2026. My plan is to recertify now and switch from IBR to RAP using our 2024 joint tax return. Based on the StudentAid website's estimate, my monthly payment would decrease from about $2,500 to $2,100.

After I complete my recertification, I plan to unlink theIRS retrieval and have our CPA file our 2025 taxes separately.

Then, when my wife recertifies, she would use her 2025 tax return, which would reflect only her income. Since she earned significantly less than I did, her projected payment would be around $1,000 per month.

Does that timeline and strategy make sense, or is there anything I'm overlooking?

What I’m saying is that my income was lower in 2024–2025 than it is now, so the months I later buy back would likely cost less than continuing to make payments at my current income level.

If I submit the buyback request in September and then go into forbearance, wouldn’t that be the most financially sensible approach?

I understand the processing can take 1–2 years, but during that time I could simply set aside the money in savings in case anything falls through or the buyback is denied.

Are there Knicks bars?