Loans That Can Be Consolidated
The student loan borrower may include all or a portion of the following federal loan types:
- Subsidized Federal Stafford Loans, formerly Guaranteed Student Loans (GSL)
- Direct Subsidized Stafford Loans
- 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). Note: may become unsubsidized upon consolidation. Check with the consolidation lender.
- Health Professions Student Loans, including Loans for Disadvantaged Students
- Health Education Assistance Loans
- Federally Insured Student Loans
- Federal PLUS (Parent) Loans
- Direct PLUS (Parent) Loans
- Federal PLUS (Graduate) Loans
- Direct PLUS (Graduate) Loans
- Subsidized Federal Consolidation Loans
- Direct Subsidized Consolidation Loans
- Unsubsidized Federal Consolidation Loans
- Direct Unsubsidized Consolidation Loan, including Direct PLUS Consolidation Loans
- Federal Nursing Loans
The consolidation lender (Direct Lending, through the Department of Education) may permit a student loan borrower who has already consolidated to re-consolidate if:
- The borrower is attempting to consolidate a prior consolidation loan with another eligible loan type (new consolidation loan will be subject to terms in place - including the possibility of a higher interest rate).
- The borrower is not attempting to consolidate a prior consolidation loan that initially included a defaulted loan, and is now in default.