In this case, you could consolidate any loans that do not qualify for loan forgiveness, but leave the ones that do qualify out of the consolidation.
(The chart below gives you an idea of your approximate payment.) For borrowers who will make a career out of military service, Income-driven repayment plans provide another major benefit— you may be eligible for loan forgiveness after 10 years of reduced monthly payments.
If you think you will spend a decade or more in the military, it is important to enter into an income-driven repayment plan as soon as possible; each qualifying monthly payment gets you closer to Public Service Loan Forgiveness (PSLF).
They can be made by a bank, a credit union, a state student loan agency or a college or university.
They may have names like “alternative” or “institutional” loans.
This benefit applies to both your federal and private (non-federal) student loans and is available for all active-duty servicemembers, regardless of where you serve.