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You are eligible for consolidation if you have:
- At least $7,500 in eligible loans.
- Not previously consolidated or have a new loan to add (Example: You consolidated your undergraduate loans, but you have new graduate loans to add.).
- Loans that are in active repayment, deferment, forbearance or a six-month post-graduation grace period.
- Loans not "in-school" (Example: If you are a parent with loans, you can consolidate 91 days after final disbursement. If you are student, you can consolidate after graduation, or if you are attending school less than half time).
- Already consolidated? Call us toll free at 888.713.8430 for possible rate reduction program!
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Loans eligible for consolidation are:
- Subsidized Federal Stafford Loans, formerly Guaranteed Student Loans (GSL)
- Direct Subsidized Stafford Loans
- Subsidized and Unsubsidized Federal Stafford Loans
- Direct Unsubsidized Stafford Loans
- Federal Supplemental Loans for Students (formerly Auxiliary Loans to Assist Students (ALAS) and Student PLUS loans)
- Federal Perkins Loans, formerly National Defense/National Direct Student Loans (NDSL)
- Health Professions Student Loans, including Loans for Disadvantaged Students
- Federal Insured Students Loans (FISL)
- Federal PLUS (Parent) Loans
- Direct PLUS Loans
- Subsidized Federal Consolidation Loans
- Direct Subsidized Consolidation Loans
- Unsubsidized Federal Consolidation Loan
- Direct Unsubsidized Consolidation Loan, including Direct PLUS Consolidation Loans
- Federal Nursing Loans
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Please note that you have 180 days after your Federal Consolidation Loan's issue date to add any eligible loans you forgot to add to your application.
If you have any additional questions about eligibility, please contact us toll free at 888.713.8430 |
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