Loans that may be consolidated under both the FFEL and
Direct Loan Consolidation programs include:
student loans made under the FFEL Federal Stafford
Loan (subsidized, unsubsidized, and formerly Guaranteed Student Loan),
Federal Supplemental Loans for Students (SLS), ALAS, and the Federally
Insured Student Loan (FISL). Note: A prior FFEL loan may be
included in a Direct Consolidation Loan only if the borrower is
unable
to obtain an FFEL consolidation loan with income-sensitive repayment
terms that are acceptable;
Federal
Perkins Loans, including National Defense and National Direct
Student Loans (NDSL); Note: you may lose some of
the favorable loan forgiveness provisions on the Perkins loan when
it is included in the consolidation loan.
Health
Professions Student Loans (HPSL), Health Education Assistance Loans
(HEAL), Nursing Student Loans (NSL), and Loans for Disadvantaged Students
(LDS). Note: Primary Care Loans (PCL) are not eligible for
Direct Loan Consolidation;
loans
made under the FFEL Parent Loan for Undergraduate Students (PLUS)
program; and
prior
FFEL consolidation loans.
In addition to the loan types listed previously, HEA allows
only the Federal Direct Consolidation Loan Program (and not the FFEL)
to consolidate Direct Loans, which include:
