I am currently an undergraduate student. I just recently changed my major to medical technology and because I switched majors so late in the program, it’s taking me roughly 6 - 6.5 years to graduate, which unfortunately will rack up to about $40,000 in Federal loans by the time I get my degree. I also have private loans out, but only $15,000 (and I don’t plan on taking out any more!) However, I have been repaying the interest on those loans while in school, and also put any extra money I earn (tips, school refunds, tax refunds, etc.) towards that loan to try and knock out as much of it as possible before I graduate. I am more concerned about the intimidating $40k looming over my head in the next couple of years, especially since I know that medical technologists only start off at about $18 or so. Since this $40k consists of several federal Stafford loans, what is the likelihood that I would be able to consolidate these loans and qualify for IBR? I know that graduation is still over a year away, but I’ve been feeling a lot of anxiety thinking about this lately, and would like to form some sort of plan now rather than later as to how I can pay off these loans. Thank you!