The PSLF Buyback thing kinda sounds cool at first, but after reading more, I’m not sure it’s such a great deal for everyone. Basically, if you missed out on some qualifying months for Public Service Loan Forgiveness because you were in deferment or forbearance (like, not paying because you had financial issues or got put on pause during SAVE plan drama), you can pay what you "should’ve" paid for those months. If you do that, then those months count toward your 120 payments for forgiveness.

But here’s the catch: since the SAVE calculation is blocked by the courts, they use older, more expensive formulas like IBR or PAYE to figure out what you owe for those months. So you could be paying hundreds or thousands just to "catch up." I’ve talked to someone who tried this and they said the bill was shockingly high.

Honestly, unless you’re super close to hitting the 120 months and these missing months are the only thing stopping you, it might not be worth the money. I’d think twice before dropping big cash like that. Feels like another way the system makes it unfair for people already struggling, to be honest.