I did not have any student loan debt on or before October 1, 2007.  However, between 2008 and early 2011, I took out about $100k in federal loans.  Because my loans were fully disbursed before October 1, 2011, I do not currently qualify for PAYE.  However, since I satisfy the first requirement of not having student loan debt on or before October 1, 2007, would I be able to qualify for PAYE by taking out an additional federal loan?  Once I’m in repayment on the new loan, could I then consolidate with my previous loans in order to make full use of PAYE?

I don’t have much interest in earning a new degree.  Wouldn’t it be possible to just enroll in a cheap community college class, pay for it using a federal loan, and then use that small loan to qualify for PAYE and consolidate to bring in my 2008-2011 loans?  I realize this sounds a bit shady.  If you can think of some other (more ethical?) way for me to qualify for PAYE in my situation, I’d really appreciate it.

Thanks!