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Quick Summary Notes
Get the Facts About Consolidation

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becoming eligible for student loan consolidation

Let's Start with $10,000
•	The first eligibility requirement is that you have enough student loan debt to consolidate.
•	The minimum amount is $10,000 in total student loan debt.

You Must be in Grace or Repayment
•	On the date of school separation or graduation, your loans will enter into a grace period of six months where you won't need to make any payments.
•	At the end of six months, your loans enter into the repayment phase. This is when your monthly payments begin.
•	Your loans must be in either the grace or repayment periods to become eligible for consolidation. Students attending full-time do not qualify.
•	You should note the advantages of consolidating your loans during your grace period.

Loans Eligible for Consolidation
•	Subsidized Federal Stafford Loans
•	Direct Subsidized Stafford Loans
•	Unsubsidized and Non-subsidized Federal Stafford Loans
•	Direct Unsubsidized Stafford Loans
•	Federal Supplemental Loans for Students
•	Federal Perkins Loans
•	Health Professions Student Loans/HPSL
•	Health Education Assistance Loans/HEAL
•	Federal Insured Student Loans/FISL
•	Federal PLUS (Parent) Loans/PLUS
•	Direct PLUS Loans
•	Subsidized Federal Consolidation Loans
•	Direct Subsidized Consolidation Loans
•	Direct Unsubsidized Consolidation Loans, including Direct PLUS Consolidation Loans
•	Federal Nursing Loans/NSL

Loans that are Ineligible for Consolidation
•	Loans that are Delinquent: if you are 150 days late on repaying your loans, most lenders will not consider your application for consolidation. You must reduce your deliniquency below 150 days.
•	Public Health Service Loans: loans made under Titles VII and VIII of the Public Health Services are not eligible for consolidation.
•	Alternative or private education loans: loans made by private lenders for education purposes are not eligible for federal loan consolidation.
•	Noneducation loans: credit cards, auto loans, and other personal loans do not qualify for federal loan consolidation.

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