Most federal student loans, including the following, are eligible for consolidation:
โ Direct Subsidized Loans
โ Direct Unsubsidized Loans
โ Subsidized Federal Stafford Loans
โ Unsubsidized Federal Stafford Loans
โ Direct PLUS Loans
โ PLUS loans from the Federal Family Education Loan (FFEL) Program
โ Supplemental Loans for Students (SLS)
โ Federal Perkins Loans
โ Federal Nursing Loans
โ Health Education Assistance Loans
โ Some existing consolidation loans
Private education loans are not eligible for consolidation. If you are in default, you must meet certain requirements before you can consolidate your loans.
A PLUS loan made to the parent of a dependent student cannot be transferred to the student through consolidation. Therefore, a student who is applying for loan consolidation cannot include the PLUS loan the parent took out for the dependent studentโs education.
A complete list of the federal student loans eligible for consolidation is available in the application.