AAMC Webinar: OB3 and PSLF update (November 2025)

[Mr.Smile12]

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November 21, 2025: During this video, Emma Crawford, CFP®, discusses the program's requirements, how to qualify, how to begin making PSLF-qualifying payments and possible changes to the program due to recent legislation.

 

[nortc]

Thanks for sharing the webinar. With OB3 now signed and RAP going live July 1, the PSLF pathway looks different for a lot of borrowers. The key change most people miss: under RAP, the 225% FPL threshold means more income is shielded before the 10% kicks in vs IBR's 150% FPL — but the 30-year forgiveness window (vs 20-25 years on IBR) changes the total cost significantly depending on income trajectory.

For anyone trying to model which path makes more sense before July 1, RAPlan is worth checking — it runs both scenarios side by side with the PSLF eligibility check built in.