The OP's "plan," to consolidate and do PSFL may not be an option. It sounds like their position is based on outdated guidance. The current administration has been busy shredding every way out of pure repayment of every penny borrowed, with excessive interest. Also, during the 10 year PSLF term, the borrowers are responsible for making payments. AND the new lending caps for various majors are absolutely impacting social work programs.