<human>: Can you give me a shortened version of the text?

Current situation: I have subsidized and unsubsidized Stafford Federal loans, both eligible for Pay-As-You-Earn (PAYE, similar to IBR but 10%, not 15% of income) and Public Service Loan Forgiveness (PSLF). I also have a "Loan for Disadvantaged Students" , a federal loan that I am considering consolidating, albeit at a higher interest rate (5%->6.8%, plus losing my deferment benefits).

Here is my plan: Consolidate my Disadvantaged Student loan into my Stafford loans asap. I'm not sure how long this will take, I've heard anywhere from 2 months to 6 months, I would like to have it lined up before my Stafford loans start requiring payment (January). Then, I will apply for the Pay-as-you-earn program for all three loans, work for 10 years at a eligible nonprofit, and get the remainder forgiven at the end. Success?

Questions: Am I making a huge mistake consolidating several months before my grace period ends on the Disadvantaged Student Loan? I'm also jumping up from 5% to 6.8% interest on it by consolidating, but the forgiveness should more then make up for that based on my rough calculations. I could simply consolidate closer to the end of my grace period, but by then my other loans would already start requiring payments and those months of payments wouldn't count towards my 10 years under
<bot>: Anyone else tried to consolidate a Health Professions or Disadvataged Student loan alongside Stafford loans and then done IBR/PAYe, with goal of eventual