Hi Heather,

I know it makes more sense to consolidate first, then sign up for IBR, but my deferment ends soon and the Direct Consolidation website says it will take 60-90 days to consolidate.  I am thinking of signing up for IBR with my current lender and, after the IBR approval, I would start the consolidation process for possible PSLF.

I cannot find anywhere that says that consolidation is prohibited after IBR payments begin, so I think I’m ok to do that.  What do you think?

Thank you so much.