ISO Federal Loan expert. After 9 years of paying grad school loans for myself and 2 for my husband, after many many hours every couple of years online and on the phone, I still have no idea how this works and if we could possibly be paying less than the insanity we are currently paying. Is there anyone out there who I can pay for a consultation to help us figure this out? Is this a financial advisor? I need someone who knows the inner workings of public loan forgiveness programs and consolidation/repayment plans. Thanks!!!