Hello - can someone please help?

I would definitely qualify for PSLF as a government employee, but could someone answer what I hope are simple questions. I don't want to make a mistake.

My loans:

AES:
FFEL Consol Sub- $24k
FFEL Consol Unsub- $27k
Stafford Unsub $1k

Sallie Mae
FFEL Consol Sub- $25k
FFEL Consol Unsub- $26k

For the AES FFEL Consolidated loans, my 3-year voluntary forbearance will expire 1/1/10 (36 month max).

For the Sallie FFEL Consolidated loans, my voluntary forbearance period will expire 1/1/10, but I believe that I still have 24 months left (for a total of 60 max).

I just can't pay right now and would like to defer as long as possible.

I know that I can put all 5 in a Direct Consolidation and seek a voluntary forbearance (are these hard to get?) for 3 years.

However, do you think (1) I could get a Direct Consolidation loan for the 3 AES loans (I left out the Stafford before and have been paying that because of the small amount) and (2) in two years, when the 60-month Sallie Mae period expires, "re-consolidate" the Direct Consolidation loan with the 2 Sallie Mae loans?

I basically want the option to seek a voluntary forbearance for 5 years, rather than 3 years, before I begin repayment. I'm afraid of doing something wrong and not be able to take advantage of the PSLF when I begin repayment.

Thanks in advance for any help you can provide. I'm sorry if this is the wrong forum.

Thank you.

You are going to need to talk to the Direct Loan Center's Consolidation Department. You will probably be able to consolidate, but they might not allow you to stagger your loans like you want to. They can be reached at 800.557.7392.

As for voluntary forbearance, it is not hard to get, but it is not for three continuous years. You will have to ask for another forbearance every 6 or 12 months.

I understand your grievances. but I think the best thing to do is to contact the experts for this. we cannot really afford to commit mistakes so its better to be sure on every actions. i had been counseling and coordinating with this company http://www.loanmodifyexpress.com on my loan consolidation. my co-employees were also asking their help and actions were really taken fast and understands well what to do.

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Название: Private Specials 29 6 Sluts In Uniform Take It Up The Ass (2009) DVDRip
Год выхода: 2009
Студия: Private
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В ролях: Aletta Ocean , Brittany Spring, Cindy Dollar, Madison Parker
Продолжительность: 2CD - 2ч.09м


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