Eligibility Requirements

To be eligible for loan consolidation you must meet the following criteria:

• Must be out of school
• Must be in repayment or grace period
• PLUS loan borrowers can consolidate at any time once the loan is fully disbursed
• Must have only one application pending

Eligible Loans

• Federal Stafford Subsidized or Unsubsidized Loans
• Federal PLUS Loans
• Federal Perkins Loans
• Federal Supplemental Loans for Students (SLS)
• Federal Insured Student Loans (FISL)
• Health Professions Student Loans
• Nursing School Loan
• Health Education Assistance Loans
• Consolidation Loans*

*Existing Consolidation Loans are only eligible if you have at least one other eligible loan.

Ineligible Loans

• Private or Alternative Loans are not eligible for consolidation.
• Other types of personal debt, including credit cards and car loans can not be included in a consolidation loan.