What You Need
Complete Federal Direct Consolidation Loan Application


Important Note: If you currently have one or more defaulted federal education loans that are assigned to the U.S. Department of Education for collection and you want to consolidate the defaulted loans, you will not be able to complete the Direct Consolidation Loan application process on StudentLoans.gov. You must use a different process. If you want to consolidate one or more defaulted loans that are currently assigned to the U.S. Department of Education, go to http://loanconsolidation.ed.gov/ to begin the consolidation process.


To complete the Federal Direct Consolidation Loan Application and Promissory Note 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.



Your Federal Student Aid PIN

You must sign in using your own Federal Student Aid PIN to complete the Federal Direct Consolidation Application and Promissory Note. If you do not have a Federal Student Aid PIN, visit www.pin.ed.gov.

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



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


Financial Information

Review your current federal education 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 IBR/Pay As You Earn/ICR 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.

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