No choice.. only IBR

Because I had FFLEP loans, which I just found out, I can only use IBR, I have old loans, I wanted to try RAP. now I cant. Should I consolidate them to get rid of FFLEP ones? I am not going for forgiveness. I owe 70,000 and earn 60,000 now with no dependents. I am 67. I am on IBR now and Pay 450 a month and was looking for a less expensive monthly payment. Started out owing 45,000 and now up to 70,000, with paying for years.. Thanks in advance.

Posted Aug 27, 2026, 1:03 PM UTC

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