You are eligible for consolidation if you have:

• At least $10,000 in eligible loans.
• Not previously consolidated or have a new loan to add (Example: You consolidated your undergraduate loans, but you have new graduate loans to add.).
• Loans that are in active repayment, deferment, forbearance or a six-month post-graduation grace period.
• Loans not "in-school" (Example: If you are a parent with loans, you can consolidate 91 days after disbursement. If you are student, you can consolidate after graduation.).

Loans eligible for consolidation are:

Subsidized Federal Stafford Loans, formerly Guaranteed Student Loans (GSL) Direct Subsidized Stafford Loans Subsidized and Unsubsidized Federal Stafford Loans Direct Unsubsidized Stafford Loans Federal Supplemental Loans for Students (formerly Auxiliary Loans to Assist Students (ALAS) and Student PLUS loans) Federal Perkins Loans, formerly National Defense/National Direct Student Loans (NDSL) Health Professions Student Loans, including Loans for Disadvantaged Students Federal Insured Students Loans (FISL) Federal PLUS (Parent) Loans Direct PLUS Loans Subsidized Federal Consolidation Loans* Direct Subsidized Consolidation Loans* Unsubsidized Federal Consolidation Loan* Direct Unsubsidized Consolidation Loan, including Direct PLUS Consolidation Loans* Federal Nursing Loans    * If these loans have not previously consolidated or, if they have, they must have     another eligible loan separate from the consolidation.