BA Q&A: Should I Keep Paying My Student Loans While PSLF?

Mandi is back for a solo BA Q&A, answering a juicy listener question about balancing student loans, grad school, a possible home move, and a new car payment—all while chasing Public Service Loan Forgiveness (PSLF). She breaks down how PSLF *actually* works, why “qualifying payments” matter so much, and when it can make sense to pause extra payments and redirect cash toward savings and other priorities instead.

What we dive into:

- How PSLF really works and what counts as a qualifying payment.
- Whether you should keep paying loans that are in in-school deferment.
- How to prioritize between:
- Building a 3–6 month emergency fund.
- Saving for moving and homebuying costs.
- Paying down a high car note.
- Why three months of savings may no longer be enough in today’s economy.
- Practical next steps to confirm your PSLF status and get your paperwork right.

Listener Question Highlight
Sydney, a 34‑year‑old nurse working toward PSLF, asks whether she should keep making a $500 monthly student loan payment while her loans are in deferment—or pause to focus on savings, a future move, and her car note.

Links:

Federal student aid and PSLF info: studentaid.gov

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