Should I get on PAYE?
So I have 2 sets of loans: one I would be eligible to do buyback for in September of this year, and the other I would be eligible to do buyback in June of 2028.
I’m on SAVE but was on PAYE before. Should I apply to get back on PAYE before July 1? I can’t decide if I should just wait this out until I actually get kicked off SAVE. I know they sent those emails saying you would be 90 days after the notice and that they’re not accepting new applicants for PAYE after July 1, but I can’t decide if I should take the gamble that administratively they’re not going to be able to quickly handle all these transfers?
I know they are ending PAYE on July 2028, and since my second loans are eligible for buyback the month before, I was largely hoping to stay on the SAVE forbearance until then