Eligibility

Here's what you need to be eligibile for a Federal Consolidation Loan:

• $7,500 or more in Federal student loans. There are some program exceptions to this minimum balance. For details, please call the number listed on the main page.
• All of the loans you have chosen for consolidation must either be in a grace period or in repayment status at the time the consolidation loan is funded.

The following Federal student loans are eligible for inclusion:

• Subsidized Federal Stafford Loans
• Direct Subsidized Stafford Loans
• Unsubsidized and Non-subsidized Federal Stafford Loans
• Direct Unsubsidized Stafford Loans
• Federal Supplemental Loans for Students
• Federal Perkins Loans
• Federal Insured Student Loans/FISL
• Federal PLUS (Parent) Loans/PLUS
• Direct PLUS Loans
• Subsidized Federal Consolidation Loans
• Direct Subsidized Consolidation Loans
• Direct Unsubsidized Consolidation Loans, including Direct PLUS Consolidation Loans
• Federal Nursing Loans/NSL

NOTE: Additional program restrictions may apply to specific loan types.

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