So I tried to enter repaye before graduation and consolidate my loans in order to enter repayment earlier at a low rate and receive the interest subsidy. Unfortunately, the process only went through on my grad plus loans which are not in school status and the DIRECT LOAN STAFFORD - UNSUB in school loans are still in a standard repayment schedule and haven't had the 6 month period waived yet due to not having graduated yet.
According to these directions. https://www.whitecoatinvestor.com/how-to-enroll-in-repaye-early/ maybe this is ok? My plan now is to add the in school loans once I graduate to the consolidation package like is described in the post above and then apply to repaye again for the loans not included. Does this seem correct? I am frustrated this process seems to incentivize the wrong things like delaying entering repayment. I also am curious if your monthly repayment is zero dollars why not to enter repaye even earlier on the gradplus loans during the fourth year of medical school to receive the interest subsidy.
According to these directions. https://www.whitecoatinvestor.com/how-to-enroll-in-repaye-early/ maybe this is ok? My plan now is to add the in school loans once I graduate to the consolidation package like is described in the post above and then apply to repaye again for the loans not included. Does this seem correct? I am frustrated this process seems to incentivize the wrong things like delaying entering repayment. I also am curious if your monthly repayment is zero dollars why not to enter repaye even earlier on the gradplus loans during the fourth year of medical school to receive the interest subsidy.
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