Okay, that's it. the direct loan is also something I'd like to know. Do we have the option of selecting a payment plan?
You have the option to choose a repayment plan. If you don’t choose a repayment plan your loan servicer places you on the Standard Repayment Plan.
should I just let them leave me on the standard plan?
The Standard Repayment Plan saves you money over time because your monthly payments may be slightly higher than payments made under other plans, but you will pay off your loan sooner. You end up paying the least amount of interest over the life of your loan.