DocumentsDate added
Eligibility Requirements
To qualify for a Direct Consolidation Loan, borrowers must have at least one Direct Loan or Federal Family Education Loan (FFEL) Program loan that is in grace, repayment, deferment or default status. Loans that are in an in-school status cannot be included in a Direct Consolidation Loan.
Borrowers can consolidate most defaulted education loans, if they make satisfactory repayment arrangements with the current loan holders or agree to repay their new Direct Consolidation Loan under the Income Contingent Repayment Plan.
Borrowers who do not have Direct Loans may be eligible for a Direct Consolidation Loan if they include at least one FFEL Loan and have been unable to obtain a Federal Consolidation Loan with a FFEL consolidation lender or have been unable to obtain a Federal Consolidation Loan with income-sensitive repayment terms acceptable to them or intend to apply for loan forgiveness under the Public Service Loan Forgiveness Program.
Borrowers who have only a Direct Consolidation Loan cannot consolidate again unless they include an additional loan.
Certifications/Documents Required
- You are also required to submit a Repayment Plan Selection form with your Application and Promissory Note. Click here to download this form.
- Complete, sign and date your form and send it to:
U.S. Department of Education
Consolidation Department
Loan Consolidation Center
P.O. Box 242800
Louisville, KY 40224-2800
Eligibility Requirements
If you need additional space to list your loans, complete the Federal Direct Consolidation Loan Additional Loan Listing Sheet and return it with your Application and Promissory Note. Be sure to write your name and social security number in the spaces provided
Certifications/Documents Required
- Complete the form, include it with your Application and Promissory Note, and send it to:
U.S. Department of Education
Consolidation Department
Loan Consolidation Center
P.O. Box 242800
Louisville, KY 40224-2800
Eligibility Requirements
If you did not consolidate all eligible loans at the time you direct Consolidation Loan was made, you may consolidate an additional eligible loan(s) by submitting this form to us. This form must be submitted within 180 days after the date on which your Direct Consolidation Loan was made.
If more than 180 days has passed since your Direct Consolidation Loan was made and you want to consolidate an additional eligible loan(s), you will need to apply for a new Direct Consolidation Loan.
Certifications/Documents Required
- Complete, sign and date your form and send it to:
U.S. Department of Education
Consolidation Department
Loan Consolidation Center
P.O. Box 242800
Louisville, KY 40224-2800