PSLF and SAVE Forbearance Question

Advice

Hello everyone! My Federal Student Loans are currently all under Forbearance with Aidvantage under the IDR-SAVE program which I’m currently “enrolled” in.

As you’re probably well aware, since August, the interest began accruing on Federal loans. I’m 67k in Federal Student Loan Debt. I just learned that I am eligible for Public Student Loan Forgiveness working for a non-profit.

That said, I have made 0 qualifying payments out of the 120 required for forgiveness. All of my loans are in Forbearance as stated above. The FAFSA website stated I may want to change payment plans to start making qualifying payments to work toward the 120 in order to obtain PSLF.

MY QUESTION IS THIS: Should I leave my Federal Student Loans in the pending IDR-Save program, and wait it out until a decision is made and then begin making minimum payments until I reach the 120 payment mark and qualify for PSLF, or rather, should I change my current repayment plan to something else and begin making payments toward the 120 qualifying payments in order to achieve PSLF?

Also, I made my first payment of $120 toward my highest-interest loan on Aidvantage at the beginning of this month. I did this to begin working down the interest owed using the “Avalanche” method discussed on here. Did I just basically waste money now that I realized I qualify for PSLF, or should I change plans and let that first payment qualify me toward the 120, or does that payment even count toward the 120 payments since I’m still in forbearance under the IDR-SAVE plan?

Please provide any insight, I genuinely appreciate it. Thank you very much.

Posted Dec 6, 2025, 6:27 PM UTC

11
Loading comments…