I'm on a regular repayment loan program with plans to refinance through SoFi or related servicer to lower my interest rate (out a couple of years). Goal to pay off as fast as possible. My wife, however, just started her first attending job out of fellowship. She completed 5 years (just started year 6) of IBR payments ("qualifying payments") on Direct Loans ("qualifying loan type") with a qualifying employer (Medical School as a Resident/Fellow and now with the public non-profit county hospital). We are about to fill two Employment Certification Forms (resident/fellow and now attending job) to start the official PSLF record keeping process and my understanding is her Direct loans will then go to FedLoans. I've read a lot of concerning things on NY Times, etc about this transfer process being a nightmare for some (new article today on NY Times). A) For those gambling to use PSLF (I'm hoping for some kind of grandfather rule should the rules change) how has your process been with submitting the Employment Certification Form and having your Direct loans sent to FedLoans (if through Nelnet or another servicer first)? B) Did they keep track of the qualifying payments correctly? C) Did errors occur along the way and if so were you able to get those resolved in a timely manner? Would love to get other physicians feedback who are going through this transfer process.