consolidate my student loans

CONSOLIDATED!

My payments are $264.65. I’m calling tomorrow to see how soon I’m supposed to send in my application for IBR, which will take my payment to around $126.

They’ll be consolidated in 10 days. Woot!

ICR & Tax Release forms have been mailed.

Direct Loans received my application. Now I just have to send my ICR form and tax release. Then if they approve it, THEN I can apply for IBR.

Sent. I’ll find out in about a week.

Then it’s on to apply for IBR.

Maybe someday I’ll be left an inheritance and all of this won’t matter anymore.

I completed exit counseling, and go into repayment on 11/28. I had an uplifting conversation with ‘Rell, who reminded me that I took out the loans because I needed them, not to be frivolous… It’s just a pain in the ass to see it all add up. But you know? I’m calling tomorrow to speak to an agent about consolidating my direct and Sallie Mae loans, and then applying for IBR. Even if I can only afford $100, fine. So be it. Whatever. My education is worth it, even if it’s painful right now.