sysvinit VS Student Loan Hero

It's a plus because Gentoo fully supports the choice of Systemd or OpenRC. It also has minit, dumb-init, sysvinit, cinit in tree for the more adventurous. No one was calling the AUR bloat, the parent comment just mentions that Gentoo has an equivalent project, GURU. Source: almost 2 years ago

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: almost 2 years ago