A wish for student loan paperwork to be sunk to the bottom of the sea

I am trying to figure out how to consolidate Bemo's student loans. Just figuring out how many of them he has was a right bitch of a task, and although I think I have it mostly right, some of my figures don't match up so I can't tell if this loan is the same as that loan on the two different websites I was on, and the phone system, and arrgh. At this moment in time, I have gotten most of the paperwork typed up. But I was told that the Income Contingent plan (which looks at your tax filings to determine your payment) was the better choice, but when I put in our income stuff into the estimator (with Bemo at zero, and me at my income) the estimator spit out a slightly higher monthly payment for the income contingent thingy than on their standard fixed payment plan. And I don't know if I stick with the advice I was first given (casually by a phone person who was not looking at the figures) or go with what seems to be the obvious choice - the lower payment. I feel like this is a dumb thing to be indecisive about, and yet.

And later, we get to look for a lawyer to help file the appeal for his disability claim.