May I ask something else? regarding under both Direct Loan. can I use time spent at church to be considered a full time employee?
Time spent on religious instruction or worship services may not be counted toward meeting the full-time employment requirement.
On the repayment plans to qualify do the payments stay the same or can they increase?
Your payment may increase depending on your income and the amount that you owe. If you do not want the possibility of higher payments then the PSLF Program may not be for you