Will be applying for ibr and loan consolidation near end of grace period (Feb).  Since under IBR interest is paid for first 3 years on subsidized loans…..should unsubsidized and subsidized be consolidated separately?

Also have $123000 in loans and with my salary probably have zero payments initially.  Maybe I should not wait for the end of grace to consolidate and start the clock on my payments.

Just graduate DPT and may have to take per diem or part time at first.  If I work 30 hours at a non profit can it count towards public service forgiveness?

Thanks for all your help…JoAnne