- Are planning to pay off their loans;
- Are not in a position to pay right now because addressing other payments or between jobs etc. or
- Waiting for a PSLF buyback response.
Everyone else should have already switched plans or are in the process of moving to an IDR that fits their circumstance.
We are starting to see some movement on the Public Service Loan Forgiveness (“PSLF”) buyback processing for those who applied in late 2024. The counts are often wrong however and an administrative complaint can be filed here: https://studentaid.gov/feedback-center/.
Please stay tuned on our blog where we will cover IBR and the new RAP shortly – noting specific payment differences and other important things you need to know to pay the least possible on these loans.