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For a direct consolidation loan the standard repayment is 10 to 30 years depending on the amount of the total loan debt, if you owe between 20000 and 40000 the standard repayment plan is 20 years. I thought that if I switch to that plan I would have the whole 20 years but Mohela says because I used 10 years already since I consolidated I can only have another 10.
so I am asking if that's correct that I really can't have the whole 20 years if I switch to the standard plan?
I also want to know that if I do consolidate the subsidized and unsubsidized to loans together then could I have the whole 20 years to repay?
Thanks for your help!

I am considering switching to standard repayment for my direct consolidation loans after being on IBR since 2013. My current balance is 24000.
I expected to be able to do the 20 year standard for consolidation loans but Mohela says since the loans were consolidated in 2009 my repayment plan on standard will only be for 10 years since 10 years are already up.
Does that sound correct? I asked at studentloans.gov and was told to talk to mohela.
It looks like I can consolidate my subsidized and unsubsidized loans now and if I do that, would it allow a new 20 year payment plan?
I'll probably just keep the 10 year plan now anyhow, and try to squeak out the extra 100 a month, but I want to know all my options.

Ok thanks so much for your help.
I think I might go ahead and keep the IBR and pay off the unsubsidized loan first but if I do that won't I have to pay the unpaid interest for that loan too?
I'm thinking I probably can't pay the 18000 in full and let the interest ride, or can I?
Maybe I should just pay half on each principle balance.

I read that if I make a large payment the capitalized interest should be paid first and that is 13000.
Also it says on my loan page on Mohela that extra payments must be applied to both loans equally.
I want to get rid of the IBR so I don't have to file taxes separately and don't have to recertify every year and hold my breath while I wait to see what the new payment will be. It also looks like this year my payment doesn't cover all the interest.

Hi, my parents want to make a large payment toward my student loan. It will be about $26000.00.
I currently have $19000 in a consolidated subsidized loan, and $18000 in a consolidated unsubsidized loan.  Mohela was showing $13000 in capitalized interest but for some reason its not showing right now. I think they made an error in certifying my IBR plan last year as my payment just dropped but my salary is higher each year.

I have been on an IBR plan for 6 years, but my payments were zero until 2016. I also deferred the loan for several years after graduating in 2009.
Now I want to go onto the standard repayment plan which should be 20 years for my consolidated loans because the amount will be over $22000. I dont want to have to certify any more or file taxes separately from my spouse or deal with any more capitalized interest.

I would like to have all interest that capitalizes paid up and put the rest on principle. I understand that interest will capitalize when I drop the IBR plan.
My question is: Is it in my best interest to change the plan before making the large payment or change the plan after the payment?

My fear is that if I change the plan before, the interest capitalized will be higher, might it possibly be less that capitalizes since we are paying the large amount?
But if I change the plan after the payment will there be unpaid interest that comes from the capitalization at that point?.
I also want to make sure I stay on the 20 repayment for subsidized loans, not a 10 year.

Thanks for any and all advice