What are my options???
Student Loan Consolidation
Step 1: Consolidation! - Direct Student Loan Consolidation (studentloans.gov)
Step 2: You will choose one of the three payment plans for your Direct Student Loan Consolidation OR one of the three will be chosen for you (based on your income) These are your FORGIVENESS programs. All three are forgiven at different time periods.
Income Contingent Repayment Plan (ICR)
Income Based Repayment Plan (IBR)
Pay As You Earn
What about that Public Service Thing??
Hope this helps! :)
Step 3: If you are interested in the Public Service program (the one that provides forgiveness in 10 years) This will be the third step. You will complete an additional form to state that you work for a 501c3 agency. This will be in addition to one of the three repayment plans from above.