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Federal Student Loans Eligible for Consolidation

What types of student loans are eligible for consolidation?

Eligible Subsidized Loans:

  • Subsidized Federal Stafford Loans
  • Direct Subsidized Loans
  • Subsidized Federal Consolidation Loans
  • Direct Subsidized Consolidation Loans
  • Federal Insured Student Loans (GSL)
  • Guaranteed Student Loan (GSL)

Eligible Unsubsidized Loans

  • Unsubsidized and Nonsubsidized Federal Stafford Loans
  • Direct Unsubsidized Loans, including Direct Unsubsidized Loans (TEACH)(converted from TEACH Grants)
  • Unsubsidized Federal Consolidation Loans
  • Direct Unsubsidized Consolidation Loans
  • Federal PLUS Loans (for parents or for graduate and professional students)
  • Direct PLUS Loan (for parents or for graduate and professional students)
  • Direct PLUS Consolidation Loans

Eligible Federal Perkins Loans

  • National Direct Student Loans (NDSL)
  • National Defense Student Loans (NDSL)
  • Federal Supplemental Loans for Students (SLS)
  • Parent Loans for Undergraduate Students (PLUS)
  • Auxiliary Loans to Assist Students (ALAS)
  • Health Professions Student Loans (HPSL)
  • Health Education Assistance Loans (HEAL)
  • Nursing Student Loans (NSL)
  • Loans for Disadvantage Students (LDS)

Who is not eligible for Student Loan Consolidation?


Students cannot consolidate if loan status indicates "in school," in judgment or garnishment status.