If I have loans from this year (2011-2012, or really any year I guess, I have loans from my undergrad) and have a 501(c)(3) non-profit that doesn’t make any money because I am in school, is there a way that I can start “making payments” on my debt from 2011-2012 while I am in school next year (2012-2013) so that I can start chipping away at the 120 payments? Or do I have to wait until I have completed law school?

Also, does the fact that I can consolidate my undergraduate loans with my new loans affect whether or not I can put my loans into repayment?