Wrong answer = years of lost progress. This 4-question tool catches the fatal mistakes and gives you a clear verdict.
The most important decision many borrowers will make · All logic runs in your browser
Why This Matters
Unnecessary consolidation resets your PSLF payment clock to zero. Failing to consolidate when needed means your payments never count. This single decision has destroyed more borrowers' progress than any other mistake.
Question 1 of 4: Are you pursuing PSLF (Public Service Loan Forgiveness)?
Question 2 of 4: What types of federal loans do you have?
Check at StudentAid.gov → "My Aid" → look at loan names.
Question 3 of 4: How many qualifying payments have you made toward forgiveness?
Question 4 of 4: Do you plan to take out additional federal loans after July 1, 2026?