Hi Heather,

Thank you for creating this website which I have found to be extremely helpful.

I am currently a graduate student and receiving Direct Plus loans, and will graduate in another 2 years.  During my undergraduate studies I was receiving FFEL loans.  I want to consolidate all of these together so they will all be eligible for PSLF, but not sure if I need to wait until I graduate to consolidate when I will no longer be receiving new loans, or if I should go ahead and do that now.  Does it make a difference?  I guess one of my concerns is that something might change and I won’t be able to consolidate down the road.  Thank you for your help.

Hello.  Thank you for your inquiry.  My name is James and I am Heather’s Communications Director.  Here is a link to Heather’s thoughts on consolidation that may answer your question: http://askheatherjarvis.com/blog/the-scoop-on-student-loan-consolidation.

You may also check this out: http://askheatherjarvis.com/blog/sorting-out-the-income-driven-repayment-options.

Hope this helps!

Best,

James D. Jarvis
Communications Director
Heather Jarvis, Student Loan Expert LLC

Thank you for the quick reply.  You answered my question :)