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Worried PSLF Buyback might vanish before you qualify? Let’s dig into the Public Service Loan Forgiveness (PSLF) Buyback program — how it works, why it exists, whether it’s likely to stick around, and how to position yourself if the rules change. You’ll also hear my take on listener questions covering repayment plans SAVE vs. IBR, joint vs. separate taxes, and why sometimes “die with the debt” really can be a strategy. Key moments: 00:00 Introduction 00:44 How PSLF Buyback works, when you can apply, and why politics could shape its future 06:06 The growing backlog of applications and the risk of counting on Buyback approval 10:28 How to choose between SAVE, PAYE, and IBR repayment plans 14:22 When a “die with the debt” strategy makes sense in retirement 17:50 How to handle income recertification after a job change 📩 Get the brand new 2025 IDR calculator that minimizes your student loan payments so you can use the money on better stuff: https://www.studentloanplanner.com/st... 💸 Join the SLP insiders email list: https://join.studentloanplanner.com/i... ➡️ Book a student loan consult: https://www.studentloanplanner.com/yo... #StudentLoans #RAPplan #StudentLoanForgiveness #StudentLoanPlanner