u/penny_wild

Hi all, I am very confused about how to proceed with my student loans ($123,000). I am a federal employee and also a part time doctoral student. I have 9 separate loans and just ended my forbearance because I wanted to start getting time towards my PSLF. I applied for the IDR plan and was notified that (it looks like) only two qualified. I assume the ones that didn't qualify for IDR then wouldn't be counted in the PSLF forgiveness clock, correct? There's not much information, but I gather that one option is to consolidate it all and reapply for IDR?

I tried calling Mohela service and could not get a hold of any actual person, after trying every single menu option. Help!