My Perkins (5% APR) and Subsidized Stafford Loan (3 - 4.6% APR) repayment has kicked in and I am currently under the SAVE plan for the Stafford Loan. As far as I understand, the government is paying off the additional interest under the SAVE plan and eventually it will be forgiven after a period of time if I have any amount left. But Perkins is not covered by such schemes. Also side note but my Perkins servicer, ECSI, is a pain to deal with.

I just saw a notification from ECSI today that I can consolidate by April 30th but I want to consider all the pros and cons before going for such a move. Looking for any advice from those who may have been on a similar boat. Thank you!