loanconsolidation dot ed dot gov
(Federal consolidation)
There are different repayment plans. But I did it b/c our income dropped a lot.
You can fill out some basic info and there is a calculator on there that will tell you estimated payments under each plan, the years to pay off, interest, etc. That way you can see that you’re not getting extra things tacked on there!
Good luck!
Thanks for the info!