Do I need to consolidate ?
I have 11 years of uninterrupted federal qualifying employment
I have about 109 of qualifying payments
I am presently paying about $225 a month
I applied for PSLF buyback in summer 2025 no word yet on that
I received a message today very technical saying I need to consolidate my 6 loans into a direct loan .
Do I need to do this ? When I started doing it my loan payment would double each month to about $450 a month .
Any advice would be helpful
Thankyou
Posted Aug 5, 2026, 1:23 PM UTC
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