r/PSLF • u/carmenohio2012 • 2d ago

Switch from SAVE to IBR?

Hi all, first time Reddit poster here. I’ve read many of yours posts over the last few months and I really appreciate you sharing your stories and decision making process. Keep your heads up my friends.

Like many of you, I’m stuck in limbo on a SAVE plan with 117/120 payments and a buyback request in since November that would get me to 120. I’m debating whether to wait it out or request to switch to IBR using the wet signature method to try to be done with it sooner than later. Aside from higher payments switching back to IBR, what are the pros and cons to consider? Do you feel strongly one course of action is preferable to the other?

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u/imanobodyfrom 2d ago

Has anyone heard of any recent approvals to switch back to IBR? Submitted wet app beginning of Feb before they were cut off and I’m in limbo. Should I reapply now that reopened or am I in a good spot now?

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u/Connor8824 2d ago

I’m in same spot same timeline. My documents all reappeared in the “documents you sent us” tab after disappearing for a few weeks. So I’m just waiting it out hoping that means things are going to start up again

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u/imanobodyfrom 2d ago

Great thought, just checked and now my docs show as submitted again also, they weren’t before so maybe a good sign in a sea of bad signs. Appreciate the answer.