At this time, the only lender offering federal consolidation loans is the U.S. Department of Education's William D. Ford Direct Loan Program.

Direct Loans are now routinely outsourced for servicing. Although you will consolidate under the William D. Ford Direct Loan Program, your loan servicing company will have a different name. You will be able to choose your servicer during the consolidation process.

Note that FFEL loans, though federal in nature, are not owned by the Department of Education and are serviced by the lender. Perkins Loans are owned by the lending school and may be serviced by the school or by outside companies under contract.

IMPORTANT CONSIDERATIONS: Borrowers should be aware when consolidating that the borrower may also forfeit eligibility for certain deferment and cancellation provisions. A careful review of deferments and cancellations and the borrower's future status should be made before entering into a consolidation agreement.

How do I find my student loans?

Look up eligible federal loans via the National Student Loan Database System. Keep in mind that Health and Human Services loans (nursing loans, health professions loans and loans to disadvantaged students) will not reflect on NSLDS. The U.S. Department of Education also has a loan trace number (800) 433-3243.

Once you have located your loans on NSLDS or by obtaining your free credit report, contact your Federal Direct Loan servicer. Common servicers include:


Which loans are eligible for consolidation?


Why should I consolidate my loans?


How do I consolidate my loans?




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