09/04/2026
⚠️ PSLF Borrowers: A Major Repayment Change Could Affect Your Forgiveness Timeline.
The new Repayment Assistance Plan (RAP) comes with an important catch: months spent in deferment or forbearance may not be recoverable through PSLF Buyback while enrolled in RAP.
That matters because payment pauses generally don’t count toward the 120 qualifying monthly payments required for Public Service Loan Forgiveness (PSLF).
Before choosing or switching repayment plans, make sure you understand how the decision could impact your path toward forgiveness.
🎓 Your student loan strategy matters. Don’t navigate these changes alone.
At MK Loan Consulting OC, we can help you review your loan history, understand your options, and determine the best path forward for your situation.
📞 Call 747-257-3811 for a FREE consultation
🌐 ihatemystudentloan.com