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Learn more about Direct Consolidation Loans on the Federal Student Aid site Apply now at Student Private student loans are NOT eligible for consolidation into a Direct Consolidation Loan.

You may also add eligible loans to your existing Direct Consolidation Loan using the form below – if you are within 180 days of the date we paid off the first loans you are consolidating.

Even if your rates seem high, t he Department of Education puts a cap on consolidation loan rates at 8.25 percent.

One major advantage of federal consolidation loans is that borrowers don't need a stellar credit score to qualify, they can apply any time (even if their loan is in default) at Loan gov, and they'll always get a fixed interest rate.

There are Direct and Federal Family Education Loan (FFEL) Consolidation Loans.

Federal Direct Stafford and Direct PLUS Loans, as well as Federal Perkins Loans, are eligible for consolidation, and others can be included.

After 180 days, you will need to apply for a new Direct Consolidation Loan.

Request to Add a Loan to an Existing Federal Direct Consolidation Loan Mail your completed form to: Navient - Department of Education Loan Servicing Attn: Loan Consolidations Originations P. Box 6180 Indianapolis, IN 46206-6180 The interest rate is calculated by the weighted average of the interest rates of the loans consolidated, rounded up to the nearest 0.125 percent.

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For a Direct Consolidation Loan, contact the Loan Origination Center’s Consolidation Department at 1-800-557-7392. Borrowers may also go to the comprehensive Federal Direct Consolidation Loan site.

You will be given more information about consolidation loans during required entrance and exit counseling sessions.

As a general rule, once made, consolidation loans cannot be reversed because the loans that were consolidated have been paid off and no longer exist.

The most glaring difference is that, with a Federal Consolidation Loan, your interest rate is fixed in keeping with a federal formula, while private consolidation interest rates can be either fixed or variable.

Variable means that the interest rate can increase at any moment.

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