Will PSLF Buyback Actually Last?

Worried PSLF Buyback might vanish before you qualify? Let’s dig into the Public Service Loan Forgiveness (PSLF) Buyback program — how it works, why it exists, whether it’s likely to stick around, and how to position yourself if the rules change.

You’ll also hear my take on listener questions covering repayment plans SAVE vs. IBR, joint vs. separate taxes, and why sometimes “die with the debt” really can be a strategy. 

Key moments:

(00:44) How PSLF Buyback works, when you can apply, and why politics could shape its future

(06:06) The growing backlog of applications and the risk of counting on Buyback approval

(10:28) How to choose between SAVE, PAYE, and IBR repayment plans

(14:22) When a “die with the debt” strategy makes sense in retirement

(17:50) How to handle income recertification after a job change

Resources mentioned: 

• Certify your PSLF employment
• Recertify or update income-driven repayment

 

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