Determine which loans you can consolidate



  • Federal Perkins Loans
  • Direct Subsidized or Unsubsidized Loans
  • Federal Stafford Loans (subsidized and unsubsidized)
  • Direct PLUS Loans
  • Federal PLUS Loans (for parents and for graduate and professional students)
  • Federal Supplemental Loans for Students (SLS)
  • Health Professions Student Loans (HPSL), including Loans for Disadvantaged Students (LDS)
  • Health Education Assistance Loans (HEAL)
  • Federal Insured Student Loans (FISL)
  • Federal Nursing Loans (NSL)
  • Direct Consolidation Loans (if you have at least one other eligible loan to consolidate with it)
  • Federal Consolidation Loans (if you have at least one other eligible loan to consolidate with it)

You don’t have to consolidate all of your loans. You can choose which ones you want to include and which ones you don't. For example, many students choose not to include their Perkins Loans in order to maintain the forgiveness options on those loans.