I am currently completed the PSLF program with all of my federal loans.  I have a HSPL loan that I pay separately.  I know that these loans can qualify for PSLF.  I didn’t originally consolidate my loans so each month my payments come out individually.  I have been making qualified payments for about 18 months (after many setbacks with Fedloan Servicing!) My HSPL has a balance of about $10,000 causing about an additional $100 per month on top of my Fedloan bills.  I am wondering if it is worth it to consolidate the HSPL with one of my fed loans and reset the clock on those for forgiveness.  What I am trying to determine is what the estimated monthly payment would be for that additional 18 months about 8 years from now with the two loans (a small federal loan and the HSPL) and if it is cost effective to do that rather than pay on the HSPL separately.  I think it should be but am concerned I am missing something and that with interest I’ll end up with almost 2 years of large payments that I could have just addressed with the slow and steady $100 a month as of now.  Any recommendations on consolidating or restarting the program on loans and having that at a different schedule would be appreciated. 

Thanks!

Alyssa