Eligibility Requirements

Though eligibility requirements may vary depending on the lender and type of loan program, generally speaking you are eligible to consolidate your student loans if:

  • Your Federal Student Loans total at least $10,500.
  • You have not previously consolidated, or left a loan out of the consolidation or taken out a new loan more than 180 days after the consolidation.
  • You have multiple lenders or a single lender who will release the loans.
  • Note – if you are in default you must complete a rehabilitation program before you can consolidate.
  • You are currently not in school, or you are leaving school in the next 6 months.

Eligible Loan Types can include :

  • Federal Subsidized and Unsubsidized Stafford Loans
  • Federal Direct Subsidized and Unsubsidized Stafford Loans
  • Federal Perkins Loans
  • Federal Plus Loans
  • Federal Direct Plus Loans
  • Federal Supplemental Loans for Students
  • Health Professions Student Loans – HPSL
  • Federal Insured Student Loans – FISL
  • Federal Nursing Loans – NSL
  • Federal Consolidation Loans
  • Federal Direct Consolidation Loans
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