u/Blowthehorn

Here is my situation: I have 79K total in federal loans. I am approved for PSLF (I’m a teacher) and I have made 104 of the 120 required payments for PSLF. My loans are currently in forbearance and I am pretty sure if I did the buy back program it would cover the remaining payments. Also some of my federal loans (15K worth) that were pre-2010 and don’t qualify for PSLF.
I put in a new IDR request today to take my loans out of forbearance so I can make the remaining payments ($560 a month) and have my qualifying loans forgiven.

Questions:

1. Should I cancel my IDR request and keep my loans in forbearance while I apply for the buy back program or should I just make the remaining payments and be done with it?

2. Should I consolidate my older loans into direct loans?
   - Would this mess up my loans that currently are eligible for PSLF
   -Once I consolidate, would the old loans that have been converted be sitting at 0/120 qualifying payments?

3. Are the changes coming July 1st going to screw any of this up?

Thank you guys so much for your help! This sub is a god send for navigating this crazy process!!!