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Reasons to consolidate now?
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Since I missed the benefits during COVID of consolidating my FFPL loan to a Direct Loan and also missed one time IDR adjustment deadline, is there any benefit at all if consolidating anymore? My interest rate would go from 2.85% to 3%. I’d probably show payment one. This would be the standard payment as I don’t qualify for any income driven payment on as of PSLF. Is there any reason at all to consolidate currently?
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