Hi! I have one FFEL loan and the rest are Direct loans. All loans are in IBR repayment plan. I recently got a job that qualifies for PSLF. So, I would like to consolidate so that the payments on my FFEL loan also qualify for PSLF. I know now that I should have consolidated first and then requested and IBR plan.  However, is it too late to consolidate or can I still consolidate? If I can still consolidate, will I have to reapply for IBR when I request consolidation?