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Eligible Loans

Loans eligible for consolidation
Federal student loans eligible for consolidation include:

* Federal Direct loans
* Federal Stafford loans
* Federal Perkins loans (see note below)
* Federal Parent Loans for Undergraduate Students (PLUS)
* Federal Consolidation loans (see note below)
* Health Professions Student loans
* Nursing student loans
* Federal insured student loans
* Auxiliary Loans to assist students
* Federal Supplemental Loans for students (SLS)
* National Direct Student Loans (NDSL)
* Health Education Assistance Loans (HEAL)

A note about consolidating Perkins loans: A Federal Perkins loan has a fixed, low interest rate of 5%. Because of its low, fixed interest rate and extensive cancelation provisions, it is often advisable NOT to consolidate a Perkins loan. See the Perkins loan section for the list of loan cancelations.

A note about consolidating existing Federal Consolidation loans: Federal Consolidation loans may be reconsolidated as long as an additional eligible loan is included in the reconsolidation.


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