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IMPORTANT INTEREST RATE INFORMATION

The Bipartisan Student Loan Certainty Act of 2013 changed the formula for determining the interest rate for Direct Consolidation Loans as follows:
For Direct Consolidation Loans that are made based on applications received on or after July 1, 2013, the weighted average interest rate is no longer capped at 8.25%.

You may be able to combine your existing Federal education loans into one new consolidated loan that offers several advantages. Click on “Borrower Info” topics to the left for more information about advantages of consolidation.

Here you will find what borrowers need to know about Direct Consolidation Loans. If you don't find it here, Ask Us.


Income-Based Repayment (IBR) Plan Available!

If you would like eligibility information or to take advantage of this repayment option, Click Here for more information.

Get organized!

To help you decide if you want to consolidate and/or to simplify the application process, gather and read required documents and other information ahead of time.

Complete the application!

The process asks about you, your financial information, references and more.


Post-Application Activities!

You can check the status of your application, retrieve your submitted E-signed Promissory Note, application data, and other information.

WARNING: Any person who knowingly makes a false statement or misrepresentation on this form shall be subject to penalties which may include fines, imprisonment, or both, under the U.S. Criminal Code and 20 U.S.C. 1097.


SITE REQUIREMENTS PRIVACY NOTICES GLOSSARY ABOUT CONSOLIDATION