You can switch plans but each time you do, the interest capitalizes. If you are getting forgiveness it will be discharged regardless at 120 payments but it's worth knowing. You can compare and estimate payments for plans here https://studentloanhero.com/ which should give you ballpark figures. Source: almost 2 years ago

When do you finish school? If you have loans with multiple levels of forgiveness, consolidating will bring them all to the highest count. At this point it needs to be done before October. I wouldn't consolidate the Perkins loans because qualify employers can allow you to defer and forgive a percentage annually until they're forgiven over 4 years. I think the only disadvantage is that if you were to pursue an... Source: about 2 years ago

Clocr.com is garbage. I wouldn't send anyone there even if they gave away their products for free. Source: about 1 year ago

There it goes again. clocr.com might be helpful for somebody who has literally never had a serious thought about estate planning. Helpful in the sense that the information in the article is the first small step in a thousand-mile journey. The next steps would be correcting all the misconceptions you get from fluffy articles like this. Source: about 1 year ago