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Messages - topfuels

1
I have over 200k in parent plus loans at 3 different government lenders.
1.  I am 59, what is the best forgiveness plan in general?
2.  Do I have to consolidate all 3 to factor the income based repayment plans?  I'm not sure how that works...I understand the 10/15% of AGI and all that, but what if you have 3 loans?

Thank you for a wonderful web site of help!