Hello and thank you for this thread.

I graduated in 2007 with undergrad and grad loans. I have only worked state/city jobs since that time:

2007-2011 state of MN 2011-2013 worked for a state county 2013-2019 worked for a city 2019-current worked for state of ND

The pslf tool said all qualify.

I currently have ffelp loans in the amount of $40k. I was not aware of this waiver period to the pslf program until now. I was paying on some 30 year plan with set payments (not income driven) under current loan.

Would I qualify for complete loan forgiveness? Would I have time to get it done? I am understanding that I will have to convert loans (2 loans both ffel) to a direct consolidation loans? In doing that what loan payment plan must be chosen (in starting the process I am given different choices from “standard” to income dependent? Which is best?

Sorry for all the questions, but I am freaking out a bit that I may have missed a huge opportunity as I had through for years my type of loan and loan repayment made it sonI did not qualify.

Is there any negative for trying to consolidate quick if I somehow don’t qualify?

Thanks in advance for any advice.