Thank you for your advice; however, I may need to take out loans for my son. The second article says, "there is a potential workaround that will allow some borrowers to convert their Parent PLUS Loan into a Federal Direct Consolidation Loan. This simple change will allow borrowers to qualify for income-contingent repayment (ICR), and also for Public Service Loan Forgiveness (PSLF)." Your advice was to avoid consolidating my loans with the ones I take out for my son. Can you tell me what potential problems may exist?