The servicer will complete the consolidation and then service your Direct Consolidation Loan.
You will use the Income-Driven Repayment Plan Request form to choose the PAYE, REPAYE, IBR, or ICR repayment plan.
You should understand the details of the available repayment plans before you make a selection.
General repayment plan information is available on Student Department of Education is in the process of re-clearing these forms with the Office of Management and Budget (OMB).
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 Student
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.
If you prefer, you may complete an electronic version of the Federal Direct Consolidation Loan Application and Promissory Note by signing in to Student
If you want to proceed with completing a paper version of the Federal Direct Consolidation Loan Application and Promissory Note, you will use the documents below.
After downloading, printing, and completing the documents you need, you will mail your application package to the consolidation servicer you choose.