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Hi, I'm wondering how to consolidate my Aspire and Navient loans.  I thought I called Navient to reset my password and ended up talking to American SLC.  They told me about the PSLF (I'm a principal) and wanted $600 to get it set up.  I figured out that they weren't Navient before this happened.  BUT, they did tell me that I qualified for a reduction in my monthly payment by almost $400.  I'm set up on IB payments already, but wondering if it would be reduced further if I consolidated all loans under one holder instead of 2?

Thanks!