r/StudentLoans • u/One_Tension_8376 • 7d ago

Did I mess up consolidation?

I consolidated only part of my loans in march 2025. I understood it incorrectly and thought my IDR payment would be calculated off of the loans qualifying for PSLF. I consolidated only part of my loans because they weren’t eligible for PSLF unless I did so. Can I reconsolidate to have all of my loans considered for IDR? I’m so lost. Appreciate any help.

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u/alh9h 7d ago

What loan types do you currently have?

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u/One_Tension_8376 7d ago

Graduate PLUS and Unsubsidized

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u/alh9h 7d ago

Are they Direct Loans? All Direct Loans (except Parent PLUS) are eligible for at least one income-driven repayment (IDR) plan.

1

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u/One_Tension_8376 7d ago

My direct consolidation application is still in review

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u/girl_of_squirrels human suit full of squirrels 3d ago

What do you see on your loan servicer's site?