Hi I graduated from med school in May 2015. I am planning to do public service loan forgiveness, and from my understanding in order to apply to PSLF I need to consolidate my loans and then apply for IBR. I have 6 months of grace period after graduation to repay my loans, so I guess I have November until my grace period ends. I was told that PSLF application can take months to get approved.. When is the best time to consolidate my loans? I was looking at the application and it said once I consolidate, i have to start repaying the loans or I can delay processing until my grace period ends. I am a little confused about this.. does this mean if I consolidate my loans now I'd have to start paying back next month, even before I PSLF application gets approved? I do have $7000 income last year, but i used the calculator link that they had at studentloangov website and it said i still pay $0 based on last year's income of $7000.. so I guess it means i'll be paying back $0 until file tax return form for 2015..?? I would really appreciate any advice. Thank you!