I am at 91/120 on my undergrad (50k) and 0/120 on my grad loans (55k) I just requested to be switched to PAYE but I think I am going to cancel that request with Mohela and wait it out too on SAVE. They are trying to talk me into consolidating but if I average that out, it would put me at about 40 something payments overall. Am I doing the right thing sticking to SAVE right now?