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!

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!