Who do I contact first?

I am getting ready to reach my 120 required payments. I've already reach 120 qualifying payments but since the buyback is so messed up I just didn't even bother applying for one.

My question is once I reach my first 120 payment in January who do I contact to pause that one loan?

My situation is a mess. I consolidated two non qualifying loans and didn't include the others because I was scared I would lose my counts. So now I have one loan in January 2026, four in February 2026 and the final three in July 2026 to be forgiven.