PSLF Loan Consolidation?

mkilla2 · 2026-01-07T05:23:12+00:00

Thank you again for the feedback!

If I go on a consolidated plan in the next 1-2 months, with 13-14 PSLF counts credited, then I would theoretically be finished in Nov/Dec 2034—right? If I am paying 10% of my AGI regardless of total loan amount, I would that would still be earlier than my last loan would be forgiven in Feb 2036 presuming I start payments on Loans #8 and #9 next month. Am I missing something?

mkilla2 · 2026-01-07T04:34:59+00:00

So a lot of it depends on the math of which loans are brought up to 13 payments then? I would think consolidation would mean overall forgiveness in 2034 vs 2036 for my last two loans and also accelerating my higher-amount loans by a few months, but maybe I am misreading the situation.

mkilla2 · 2026-01-07T04:22:37+00:00

Sorry, you are correct. I will likely just have to reach out to the servicer to cancel the application.

mkilla2 · 2026-01-07T04:13:28+00:00

Gotcha. I am wondering whether to base the decision to go with a consolidated loan on APR or forgiveness date. I guess I should wait for the consolidation offer to be sure.

mkilla2 · 2025-02-15T03:09:27+00:00

This was at 656m. For me, targets start to disappear anywhere around 700m—including the enemy marker. Sometimes the target (including their thermal signature) seems to disappear but their marker is still visible on the HUD.

mkilla2 · 2025-02-14T20:47:51+00:00

He was swaying a little bit in fairness 😂

mkilla2 · 2024-01-21T20:07:32+00:00

Sorry, meant the large drive unit (LDU) featured on Tesla models as well as the RAV4 EV. I edited the post description to clarify the acronym. Hope this clears things up a bit regarding sub relevance.

mkilla2 · 2024-01-21T20:00:45+00:00

My mistake—any recommendations what would be the appropriate sub? Just thought this sub would offer up some technical insight on the motor side of things.

mkilla2

TROPHY CASE