u/Affectionate_One9918

hey, everyone, hoping to get some advice on my situation.

I transitioned from my PSLF-eligible gig to private sector this past March but have been in SAVE forbearance hell for much of the time since graduation in 2023. As a result, I have managed to make ONE qualifying payment.

1. I've been seeing advice that I should have certified my employment BEFORE I left my PSLF employment. Is there a way I can do that now and just mark what my last day of employment at my gov job was? I last certified employment back in June 2025.
2. Do I have to shift to a non-SAVE plan right away & report my new income & employer or can I wait until Mohela forces me to switch plans? I know many people are opting to wait it out, but I know the majority of them are in PSLF-eligible employment so not sure if that wisdom applies to me.

thank you in advance for your advice. My strategy so far with student loans has been generally avoidant (as you can probably tell). Trying to dig myself out of this hole little by little now though.