I have 11 loans. 8 are direct and in SAVE and 3 are FFEL and IBR. I’ve paid off 2 off the 3 FFEL loans and working on the 3rd. The other the other 8 should qualify for PSLF once I’m back in IBR. I have less than a year left until what would be my 120 and able to do buyback – counting the months in SAVE forbearance.

    I’ve made four requests (Oct 2024, May 2025, Oct 2025, and now April 2026) to get out of SAVE and back into IBR so I can start making qualifying payments. I’ve given consent to access my IRS info. I’ve asked to be taken out of forbearance. I’ve submitted “manually” per their request. I’ve submitted pay stub and I’ve used the W2. I don’t understand.

    Is it because of that one loan that’s in IBR?! Is it messing up the ability to move the others? I’m seeing people say it took like a few days to get moved back to IBR.

    I’m so frustrated.

    Been trying to get out of SAVE since Oct 2024 – WTF is going on?!!
    byu/yemsg97 inStudentLoans



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