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Borrower Defense, PSLF Buyback, and IDR Recertification Chaos
Description
We're bringing you a grab-bag of student loan updates you need to know about. Borrower defense letters are finally going out, long-term forgiveness is being processed (sometimes for borrowers who technically shouldn't qualify yet), and the Department of Education is quietly breaking its own IDR recertification timelines. We walk through what's actually happening, what to do if you're affected, and how to stay in control of your payment when the system isn't cooperating.
Key moments:
(03:16) PSLF buyback and why SAVE calculations are off the table
(06:02) Long-term forgiveness is processing, including some surprising cases three years early
(13:14) How to revoke tax return consent and take back control of your recertification date
(16:52) What to expect when your payment changes after leaving SAVE
(20:29) When your loans are incorrectly coded as Parent PLUS and the workaround to get the right payment plan
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