Skip to Main Content CONTACT Us FREQUENTLY ASKED QUESTIONS FORMS AND PUBLICATIONS APPLICATION HOME CONSOLIDATION HOME Main Menu
Borrower Services School Services Loan Holder Services
Borrower Info
Should I Consolidate?
How Do I Benefit?
Am I Eligible?
What Loans Can I Consolidate?
How Do I Apply?
How Do I Update or Correct My Application?
What is the Status of My Application?
What are My Rights and Responsibilities?
Additional Resource
Direct Loan Servicing Web Site
National Student Loan Data System for Borrowers Web Site
U.S. Department of Education Web Site
Online Calculator
PIN Request and Information Web Site
Access America for Students Web Site

What Loans Can I Consolidate?

Eligible Loans

The following federal education loans are eligible for consolidation into a Direct Consolidation Loan:

  • Direct Subsidized and Unsubsidized Loans
  • Federal Subsidized and Unsubsidized Federal Stafford Loans
  • Direct PLUS Loans and Federal PLUS Loans
  • Direct Consolidation Loans and Federal Consolidation Loans
  • Guaranteed Student Loans
  • Federal Insured Student Loans
  • Supplemental Loans for Students
  • Auxiliary Loans to Assist Students
  • Federal Perkins Loans
  • National Direct Student Loans
  • National Defense Student Loans
  • Health Education Assistance Loans
  • Health Professions Student Loans
  • Loans for Disadvantaged Students
  • Nursing Student Loans

Ineligible Loans

Some loans are always ineligible for consolidation. While these loans may not be included in a Direct Consolidation Loan, they may be considered in the calculation of the maximum repayment period under the Graduated or Extended Repayment Plan. These include but are not limited to the following:

  • Loans made by a state or private lender and not guaranteed by the federal government
  • Primary Care Loans
  • Law Access Loans
  • Medical Assist Loans
  • PLATO Loans

BACK TO TOP



    
SITE REQUIREMENTS PRIVACY NOTICES GLOSSARY ABOUT CONSOLIDATION