Federal Government Loan Consolidation -
Consolidation loans are accessible via both the Direct Loan and FFEL programs.
Under Direct Loan Consolidation Programs, you may consolidate your Subsidized as well as Unsubsidized Stafford Loans,
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Though all of the various loans can be consolidated, you should have one outstanding Direct Loan or FFEL to get the Direct Consolidation Loan. It means, for instance, that Perkins Loans on their own cannot be combined into the Direct Loans. In case the ��qualifying�� loan is the FFEL loan, then you must certify you cannot obtain FFEL Consolidation or the FFEL Consolidation Loan with accepted income sensitive repayment terms.
Also, FFEL Consolidation lenders don't need to include their non-FFEL loans into the new consolidation loan. Actually, they may do this at their discretion. And non-FFEL loans may not be combined into the FFEL consolidation loan with no the FFEL loan being used in the consolidation. Many FFEL lenders are no more making consolidation loans. And you should not allow your FFEL lender to discourage you from combining with Direct Loan programs in case you think that this is a great option for you.
Also,
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