I have about 10 different loans.  I am paying all of them under IBR.  I want to switch to REPAYE.  I called my servicer (Greatlakes) and was informed only 8 of them can leave IBR to REPAYE because the other 2 are not direct loans.

Great lakes thought (102 minutes on the phone—-still no clear answer) that I could could pay 8 of them (direct) under REPAYE and the other 2 (not direct) under IBR and it would be a prorated percentage of my salary (like they would like out a total of 16% of my discretionary income or something to make payments on all my loans)

I was nervous this would mean 15% of my income for 8 (REPAYE) loans and an additional 20% of my income for the other 2 (IBR).  (total 35% of discretionary income)

Am I wrong? Is this split payment great lakes really a reasonable option?  Can I have some in one plan and some in another and pay less than 20% total?

GreatLakes also suggested consolidation to bring the 2 over to direct loans but my understanding is I lose the 4 years of payments I made on them to make them into a new loan.

Any assistance is appreciated.

Thanks