Thank you for your help.

IBR is available for nearly all federal student loans, whether or not they are Direct Loans, but Public Service Loan Forgiveness is for Federal Direct Loans ONLY.  People with FFEL loans (like Stafford loans issued by a bank or private lender) need to consolidate (or reconsolidate) into Federal Direct.

Check out the IBR calculators available through my tools page to see about qualification: http://askheatherjarvis.com/tools  My simple rule of thumb is if you owe more in federal loans than you earn in a year, you almost certainly qualify.

501(c)(3) employment qualifies for PSLF.

Credit reports reflect whether or not a borrower is current in their payment, IBR doesn’t show up differently or negatively on a credit report, but sometimes lenders don’t fully recognize that your monthly payments under IBR aren’t what they would be under a standard term.

And yep, borrowers need to choose a repayment plan for each loan.