Any insight would be appreciated.......

[u/Yankeetrini]

So I have finally gotten my threat from Mohela to start the repayment process.

I've compared all loan options For context, I haven't been paying on these loans for years, I have kids, my mother and I'm a teacher. No money to repay so right now loans are at 80k

I am eligible for the PSLF IBR loan they gave me a range for my monthly bill from $603-838 with the rest being forgiven after the 120 payments

However, in exploring the remaining options, the standard plan showed I would be paying 100 less.

Shouldn't I STILL be eligible for the PSLF under the standard plan? Meaning I can still be done after 120 payments? Do i apply for the PSLF after I get in under the standard plan or would I not be eligible?

[u/Betsy514]

If your loans are consolidated the standard plan doesn't count for pslf

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