BA Q&A: Should I Keep Paying My Student Loans While PSLF?

Mandi is back for a solo BA Q&A, answering a juicy listener question about balancing student loans, grad school, a possible home move, and a new car payment—all while chasing Public Service Loan Forgiveness (PSLF). She breaks down how PSLF *actually* works, why “qualifying payments” matter so much, and when it can make sense to pause extra payments and redirect cash toward savings and other priorities instead. What we dive into: - How PSLF really works and what counts as a qualifying payment.- Whether you should keep paying loans that are in in-school deferment.- How to prioritize between:  - Building a 3–6 month emergency fund.  - Saving for moving and homebuying costs.  - Paying down a high car note.- Why three months of savings may no longer be enough in today’s economy.- Practical next steps to confirm your PSLF status and get your paperwork right. Listener Question Highlight  Sydney, a 34‑year‑old nurse working toward PSLF, asks whether she should keep making a $500 monthly student loan payment while her loans are in deferment—or pause to focus on savings, a future move, and her car note. Links: Federal student aid and PSLF info: studentaid.gov Stay Connected  - Email your questions: [email protected] Send a voice note or DM on IG: @brownambitionpodcast See omnystudio.com/listener for privacy information.