Does consolidating federal student loans reset the 20 year standard repayment plan clock (my remaining loans are 25k now)? I was on the 10 year standard repayment plan and then the ICR plan. I started repayment in 2011, then had forbearance, deferment, and income-based repayments. My income is higher now, so it’s calculating a high payment under both ICR, SAVE, and the standard 10 repayment since I now have less than the ten years left. Would consolidating allow me to reset the current loan balance to calculate payment amounts over 20 years? Also, on the ICR plan, it takes the lesser of the income-based amount or 12 years. The 12 years helped put a ceiling on my payment amount, which helped given other family/debt obligations. Would it reset to calculate over the 12 years instead of the 8 or so years I have left of the 12 years currently? Just trying to see if I can keep my payments lower and possibly get some forgiveness at the 20 or 25 year windows. My question is separate from the income-based repayment waiver where prior payments will be counted. Hopefully my questions make sense. Thanks for any help!!