Like many of us, I'm realizing that I need to consolidate before 5/1/2023. I'm so thankful to learn about this because the consolidation benefit to my payment count the IDR adjustment should get me to 120 payments. This will save me from making about 3yrs of payments and I'm so grateful.

The only thing I'm confused about is when to submit another employment certification. I haven't certified since Sept 22, to get in under the PSLF Waiver, everything is on pause right now. Once I consolidate and the DOE starts new IDR calculations I'm wondering if it would be confusing to submit certifications while so many things are being recalculated? Should I wait until the IDR calculations are applied to my account and certify my end of 22-23 months after that process is complete?