The third most common question physicians ask about student loans is: "Should I consolidate my student loans?"
Consolidation is one of two high-risk decisions in your loan repayment planning. We see two common mistakes: 1) failing to consolidate older FFEL loans, and 2) choosing the wrong loans for consolidation. You'll be fine if you pay close attention to the details and if you're uncertain, consult an expert before taking action.
First, only Direct loans qualify for Public Service Loan Forgiveness (PSLF). If you intend to pursue PSLF and you have older FFEL* loans, you MUST apply for a Direct Consolidation loan to make those loans eligible for PSLF.
Second: Caution! Do not consolidate Direct loans if you made qualifying payments toward PSLF on them. Consolidation resets the count for the 120 payments required for PSLF.
we believe Family Medicine is critical to improving the health of the nation. We're working to achieve the full potential of Family Medicine by helping provide financial relief to providers.
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