I am finishing up my last year of medical school and graduating with about $185K in unsubsidized Stafford loans (grace period of 6 months after graduation, weighted interest rate of about 5.8%) and about $10K in Perkins loans (5%, not accruing interest currently, in grace period for 9 months after graduation). I am thinking of consolidating loans so that I can take advantage of REPAYE to reduce my interest accrual and waive the grace period on the Stafford loans. However, I see little advantage to including my Perkins loans in the consolidation, as they are not accruing interest currently and are at a lower rate than my other loans. Including them would simply add them to my principal at the rounded, weighted average rate (which will be 5.875%). My question is: is it possible to exclude Perkins loans from consolidation and still be able to forgo the grace period / use REPAYE for my consolidated Stafford loans? Is this advisable?