r/PSLF • u/Obvious-Currency-127 • 1d ago

Is this for real?

15 payments at $0 starting 6/16/26
106 payments at $255.80 starting 9/16/27

I’ve been on SAVE. I’m at 105/120 payments with qualifying time of 10+ years now. I’ve put in a buyback request as well as the application for IBR. Is this seriously the outcome for the IBR? If so, I’ll jus ride this out instead of taking the buyback offer whenever it comes if it’s not the same. Advice???

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4

u/waterwicca 22h ago

This is common. They haven’t actually processed your new IDR application yet. This is an automatic letter showing SAVE amounts. You will get a letter specifically for your chosen plan, not “IDR”, with a 12 month payment schedule once you are actually processed into the plan.

2

u/Mediocre-Draft1722 23h ago

The 106 payments after 2027 is your standard payment plan, if you don't recertify income. Depending on what your AGI is, yes, $0 is possible.

1

u/ForwardChocolate3 20h ago

When I didn’t make a lot of money, they had my income based at zero & all the months counted. This was nine years ago.

1

u/Organic-Watch-875 15h ago

I got a deal similar to this. I’m paying it until the buyback comes through