#3 Consolidating your loans
This is an important point to consider. We wrote recently about the pros and cons of student loan consolidation and one of the cons is that it can reset your 120 payment clock. This will not cancel out your ability to have loan balances forgiven under PSLF, but could delay them significantly. If you have already made a number of payments on your loans that count toward your 120 benchmark, avoid a consolidation.