<prompt> Human: I have about 135k in loans from medical school and undergrad I took a year off between undergrad and med school.I am set to graduate medical school in 2 weeks.All my loans are Direct Stafford loans.I was just approved for IDR REPAYE and I just submitted my PSLF eligibility work form.My loans from medical school go into repayment starting January 2019 113k since there is a 6 months grace period on them.My loans from undergrad go into repayment as soon as I graduate in 2 weeks 21k.All my loans are serviced with Great Lakes.My question is... Any reason for me to consolidate all of these loans or should I leave as is? I guess the only benefit to consolidating is that I would get a 6-month head start on PSLF with my med school loans, but cant I just make minimum payments on them regardless?I guess I am not sure whether I should consolidate or not. Any advice or recommendations would be greatly appreciated. Thank you!  <response>: 135k is pretty good for coming out of med school, and if you continue to live like a resident during your first few years as an attending youll be able to pay that off real quick without PSLF. Id leave your loans as they are, pay the minimum payments and then throw extra money at the highest interest loans first. Also keep submitting the PSLF paperwork when you need to in case you decide in 3-5 years you want to go that route.If you havent already, check out whitecoatinvestor.com and Two good blogsresources for medical professionals. 