Information About Your Current Loan(s)

Before beginning the online combined application and promissory note, you need to gather all of your loan records, account statements, and bills so that you have on hand all the information you need to complete the application and promissory note, and related forms. To find the information you need to answer questions concerning the loans you want to consolidate, you can use the following resources:

• your last monthly billing statement(s)
• your quarterly interest statement(s) or annual statement(s)
• your coupon book(s)
• the Internet site of your loan holder(s) or servicer(s)
• your school's financial aid office, if you are currently in school

Important Note: In the Loan Information (Education Loan Indebtedness) sections of the Consolidation application, you will be asked about your education loans. List all your education loans, indicating those you want to consolidate (including your Direct Loans) and those you do not want to consolidate. Education loans that are not included in the consolidation may be considered in determining a borrower's maximum repayment period under the Standard and Graduated Repayment Plans.

Federal Student Aid PIN

If you do not already have one, Apply for a PIN from the U.S. Department of Education Federal Student Aid Web site. The PIN will be required to e-sign and submit your application online, which is the most efficient method for submission. Alternatively, you can print and mail your application.

Consolidation Information

Before you complete the online combined application and promissory note and select a repayment plan, you can estimate what your monthly payments would be under each of the four available repayment plans using the online calculator on the U.S. Department of Education's Loan Consolidation Web page. After you have read the overview of repayment plan options, be sure to also read through the Consolidation Package (including cover letter, forms, instructions) you are ready to complete the online combined application and promissory note.