Am I Doing the Right Thing By Consolidating This Student Loan for Forgiveness?

Interest rate negotiation can result in a lower interest rate than you are paying now.

Question: Dear Steve, I consolidated my undergraduate loans into an FFEL Consolidation loan, disbursed in October 2007, owned by Nelnet. After that, I graduated, worked three years at a nonprofit, only to discover the payments I made during those years weren’t eligible for PSLF because I was paying on an FFEL loan, not a direct …

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