No. Private education loans are not counted. Only nondefaulted Direct Loans and FFEL Program loans that
are eligible for repayment under the IBR Plan or the Pay As You Earn Plan are counted as part of your
student loan debt for purposes of determining your eligibility. This includes private consolidation loans that
repaid federal student loans. Eligible federal student loans that were consolidated into a private consolidation
loan are no longer federal loans and are not considered when determining your eligibility for the IBR and Pay
As You Earn plans.

Note: You lose many of the benefits and consumer protections of federal loans when you consolidate them
into a private loan. Find out more about the differences between federal and private student loans at This Website

For more information go to the Income-Driven Repayment Plans: Frequently Asked Questions Website