PSLF vs IDR waiver

[SpudMuffin]

I am at a point where I can have my loans forgiven. However, I have 2 options I qualify for PSLF and IDR waiver... Is there any advantage (Taxes, etc) to choosing one over the other?

[Sabii]

Congrats on being done!

PSLF already has legislation that makes the forgiveness tax free. IDR, I don't think they have done this yet. But they did pass that until 2025 forgiveness (the forgiven amount) will not be taxable. So I'm not sure it makes a difference either way. Hope this helps. 

[DSTforlife]

i have a friend who received the IDR waiver and, as of yesterday, their account now shows paid in full.  in addition, they were told that they are receiving a refund.  in the letter, it stated that the payoff was non-taxable for federal taxes but to check with state/local tax authority.