r/StudentLoans•
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PSLF Buyback Request Processing Time

I know this post may not seem obvious for here, but it is relevant. The Dept of Ed is under court order to release status reports related to the PSLF Buyback backlog, and IDR request processing. Since the last status report (January 14th, 2026), 7 posters reported receiving buyback offers and provided dates request was submitted and date offer was received. The average processing time was 421 day. One data point was suspect, at 132 day processing time. obviously an outlier and suspect. The average since last status report excluding the outlier was 467 days. In total, since 12/18/25, I have data for 12 offers received meeting criteria (having submission date and date received), excluding the 132 day figure. the wait time for the 12 offers ranged from 292 - 682 days with an average of 462 days. The data set was bi-modal; 437 days and 563 days were the most common wait times. The standard deviation was 102.82 days, largely because of the upper (682 days) and lower (292 days) data points. Takeaway: On average, people are waiting 421 days and most will receive their offer between 318 and 524 days. This is an example of what you may be dealing with if you choose to pursue PSLF or a PSLF buyback. People just need to be aware of how long this is really taking. The numbers provided in the status reports really do not tell the story!

Posted Feb 16, 2026, 8:33 PM UTC

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