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- Jan 27, 2016
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Hi all- nitty gritty loan/PLSF eligibility question here. I have mostly federal loans from grad school, but an old loan (FFELP Stafford) that was from the Dept of Education I took out around 2008-ish that is somehow considered private (I don't understand how the DOE is private, but ok). I've been submitting my annual PLSF forms for the federal loans and am pretty far into it (8 years maybe?). However, I got an email that said something along the lines of that old Dept of Ed loan can now be eligible for PLSF, if I consolidate it in with my federal loans, or something along those lines? I wanted to see if others got that email and knew how to make sense of it. I'm nervous to consolidate bc I don't want to lose the progress I made on my federal loans. I am equally hesitant to call the lender and ask them about it because they have given me wrong advice in the past that cost me many years of ineligible repayment, so I'm not sure who to ask about it. This all feels like a foreign language and I hate that this isn't discussed/explained more in detail in school. Thanks in advance!