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Office Hours is a semi-monthly virtual student loan clinic presented by the Maryland Center for Collegiate Financial Wellness. We answer your questions in this free, trusted venue to help you navigate student loans and prepare for financial success beyond repayment. The content in this video is based on information available as of February 26, 2025. Hosted by Dr. Tisa (@tisasilvercanady). This edition covered topics including: -how the blockage of SAVE affects all IDR plans -when to apply for the PSLF Buyback -how a student can go from being classified as dependent to independent Disclaimer: Office Hours is presented by the Maryland Center for Collegiate Financial Wellness for informational purposes only. The information presented does not represent financial or legal advice. Borrowers are responsible for all decisions and outcomes related to their student loan repayment and/or cancellation experience. The borrower experience is evolving, more changes are expected and we will share them in future editions of Office Hours. #Maryland #financialaid #FAFSA #studentloans #studentloanforgiveness #IDRadjustment #consolidation #parentplus #PSLF #gradschool #studentloandebt #FFELP #FFEL #officehours #mhec Content 00:00 Welcome 02:18 Applications for income-driven repayment and consolidation are down 03:49 Some borrowers are missing records 04:24 Some borrowers do not have access to IDR Payment Counter 05:17 Is IDR cancellation still happening? 06:30 I submitted a PSLF Buyback Request. What should I expect? 09:20 I received a PSLF letter today. Do I need to do anything? 11:29 Why the additional review? Can they remove any of the months that I already have certified? 13:36 I have 110 Qualifying Payments for PSLF. I tried to switch from SAVE to IBR. HELP! 17:23 Can I go from the SAVE Forbearance to the Standard Plan? 21:03 How does TEPSLF work and how long will it be around? 23:39 I have 109 Qualifying Payments. Can I switch from SAVE to the Standard Plan? 27:29 Can I keep aid from MHEC if my mom marries her boyfriend? 32:45 How does the FAFSA work for a new immigrant? 37:55 Can I get financial aid from a free college? Should I complete the FAFSA? 41:06 Can I be considered independent for the FAFSA? 44:14 Maryland Student Loan Ombudsman