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What You Need
Complete Federal Direct Consolidation Loan Application and Promissory Note 

There is no cost to you to complete the Federal Direct Consolidation Loan Application and Promissory Note. To complete the application electronically you will need:

Approximately 30 Minutes

You must complete the Federal Direct Consolidation Loan Application and Promissory Note in a single session. The session should take you approximately 30 minutes to complete.


You must log in using your own FSA ID to complete the Federal Direct Consolidation Application and Promissory Note. If you do not have an FSA ID, click here.

Use of another person's FSA ID constitutes fraud. Use only your own FSA ID information.

Personal Information
  • Permanent Address
  • Email Address
  • Home Number
  • Work Number
  • Cell Number
  • Best Time to Reach

Financial Information

Review your current federal student loans.
  • Check your federal education loan account online, review your loan documents, or contact your lender or loan servicer. If you don't know who your loan servicer is, you can find out at

  • If you want to repay your Direct Consolidation Loan under the Income-Based Repayment (IBR) Plan, Pay As You Earn Plan, or Income-Contingent Repayment (ICR) Plan (these are called the "income-driven" plans), you will be able to electronically complete the Income-Driven Repayment Plan Request. To repay under one of the income-driven plans, you must provide information about your income. As part of the Income-Driven Repayment Plan Request process, you may be able to provide your income information by using the Internal Revenue Service (IRS) Data Retrieval Tool. If you are unable to transfer your income information from the IRS Data Retrieval Tool or if you do not believe that the Adjusted Gross Income (AGI) reported by the IRS accurately reflects your current income, you will be given instructions on how to submit a paper request and alternative documentation of your current income to the federal loan servicer that you choose to service your Direct Consolidation Loan.

  • More Direct Consolidation Loan information is available on If you have questions about consolidating your federal education loans before you apply, you can also contact the Loan Consolidation Information Call Center at 1-800-557-7392.

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