Consolidation for a Lower Payment? IBR and PSLF

Hey all,
Mohela just sent me another set of emails stating 1) My payment date has now moved to 12/11 2) My payment is now going to be $998.

FSA's site states I'm still on SAVE and in Forebearance, but Mohela's site states I'm on IBR. Not sure if this is why the payment changed. But the bigger issue is that I cannot afford that monthly payment. My family size has changed, and I am making less money, and so is my wife.

So, I tried out the FSA's loan simulator, and it stated I could get a lower rate, $169, if I consolidated my Direct Consolidation Unsubsidized and my Direct Consolidation Subsidized loans. My questions are: 1) Does this consolidation plan seem legit? 2) After consolidating, would I still be eligible for PSLF? I currently have 70 qualifying payments.

Thank you to all the angels on here! I really appreciate y'all's guidance.

Posted Nov 14, 2025, 7:00 PM UTC

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