Got it. Another question.  How do I apply for an income-driven repayment plan?t  . so I need to make 3 payments before consolidating or how does that work?
You need the payments to consolidate then the required payment amount will be determined by your loan holder
What should I do if someone contacts me and wants to charge me fees to get my federal student loan out of default?
You should read our blog post called "Don't Be Fooled; You Never Have to Pay for Student Loan Help"