I have graduated and received 3 degrees. I have not paid any school loans thus far. Just recently, I received a degree in 2007. So it is time to re-pay. Although, my income on my job has not reached where I thought it would have by my graduation of 2007.

Where do I start? How do I determine if consolidation is best for me? I am taking 1 class now, should I seek forebearance or should I opt for a payment loan and which type would be best for me?

Wiser