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

A Direct Consolidation Loan allows you to consolidate (combine) multiple federal education loans into one loan at no cost to you. Through your completion of the free Federal Direct Consolidation Loan Application and Promissory Note, you will confirm the loans that you want to consolidate and agree to repay the new Direct Consolidation Loan. Once the consolidation is complete, you will have a single monthly payment on the new Direct Consolidation Loan instead of multiple monthly payments on the loans you consolidated.

More Direct Consolidation Loan information is available on StudentAid.gov. 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.

The Federal Direct Consolidation Loan Application and Promissory Note is not available in Spanish.

You will be asked to choose a repayment plan. You should understand the details of the available repayment plans before you make a selection. General repayment plan information is available on StudentAid.gov.

If you prefer, you may complete a paper version of the 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

If you are a new user or have forgotten your FSA ID, click here.

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.


Your FSA ID

If you are a new user or have forgotten your FSA ID, click here.

You must log in using your own FSA ID to complete the Federal Direct Consolidation Application and Promissory Note.

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 www.nslds.ed.gov.
  • 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 StudentAid.gov. 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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