Wonderful webinar on Tuesday! I have two law school loans in forbearance: one subsidized consolidated federal loan and one unsubsidized consolidated federal loan.  I have completed a PhD program and graduating this month. My forbearance ends on June 4.  Should I apply for Income Based Repayment with my current loan provider now or apply for the Federal Direct Loan Consolidation Program first? My total debt is approximately $96,000 and the interest rate is 5.875%.  Thanks.  Look forward to your direction.

Thanks!

And Holy Education JDPhD-Man! 

You can select IBR as your repayment option as part of the consolidation paperwork process.  You can apply online here: http://loanconsolidation.ed.gov/  Also, studentloanborrowerassistance.org provides this Direct Loan Consolidation Self-Help Packet http://www.studentloanborrowerassistance.org/blogs/wp-content/www.studentloanborrowerassistance.org/uploads/File/selfpackets/consolidation.pdf

Thanks! I’ve been singing your praises since the webinar.  We appreciate you. Happy Mother’s Day!

Thanks!  Had a fantastic Mother’s Day brunch at a fondue restaurant.  What’s not to love about melted cheese followed by melted chocolate?  Gotta love it.

Now.  No more education for you.  Enough already!