Consolidating student loan programs

It’s always free to consolidate your loans with the government on

You’ll also lose forgiveness benefits specific to Perkins loans if you consolidate them.

Consider keeping those separate when you consolidate if you plan to take advantage of Perkins loan cancellation.

Benefits: Consolidating some types of loans, like those from the Federal Family Education Loan Program, makes them eligible for certain benefits.

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Log in with your Federal Student Aid ID and click on “Complete a Consolidation Loan Application and Promissory Note.” Make sure you’ve decided on a student loan repayment plan and a student loan servicer; you can choose each on the application.

If you’d like extra guidance before applying, our step-by-step guide will walk you through the process.

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