Student loan borrowers are able to consolidate their loans when logged in at studentaid.gov. If you have completed a consolidation application online within the past six months you will not be able to complete another digital application, however you can submit a paper consolidation application. This application can be found here. Unfortunately we are unable to complete these applications on user's behalf but we can provide helpful tips to complete the application.
You will need to write in your first and last name and your SSN on the top of each page.
Borrower Information
- Be sure that your information matches the information in your FSA profile to ensure your application correctly
- If you do not have a drivers license, you can enter N/A
- If you are unemployed you can write that in the employment section. If you are retired, you can write in "retired" or N/A
Reference Information
- FSA will not contact these two entries, you can use family members or friends that do not live with you
- Email addresses are not required
Loans I Want To Consolidate
- These are the loan codes for all loans, with the most common loan types highlighted
A Subsidized Federal Stafford Loans (Might show as FFEL Subsidized Stafford loan in your account)
B Guaranteed Student Loans (GSL)
C Federal Insured Student Loans (FISL)
D Direct Subsidized Loans
E Direct Subsidized Consolidation Loans
F Federal Perkins Loans
G Unsubsidized Federal Stafford Loans (including Nonsubsidized
Stafford Loans) (Might show as FFEL Unsubsidized Stafford loan in your account)
H Federal Supplemental Loans for Students (SLS)
I Direct PLUS Loans for Graduate/Professional Students
J Unsubsidized Federal Consolidation Loans (Might show as FFEL Consolidated or FFEL Unsubsidized Consolidated in your account)
K Direct Unsubsidized Consolidation Loans
L Direct Unsubsidized Loans
M National Direct Student Loans (NDSL)
N National Defense Student Loans (NDSL)
O Subsidized Federal Consolidation Loans (Might show as FFEL Subsidized Consolidated in your account)
P Auxiliary Loans to Assist Students (ALAS)
Q Health Professions Student Loans (HPSL)
R Health Education Assistance Loans (HEAL)
S Federal PLUS Loans for Graduate/Professional Students (Might show as FFEL PLUS loan in your account))
T Federal PLUS Loans for Parents
U Direct PLUS Loans for Parents
V Direct PLUS Consolidation Loans
Y Nursing Student Loans (NSL) and Nurse Faculty Loans
Z Loans for Disadvantaged Students (LDS)
W Education loans ineligible for consolidation
0 Direct Subsidized Loans (Subsidy Loss Eligible)
9 Direct Subsidized Consolidation Loans (Subsidy Loss Eligible) - You can find the Loan Servicer information either in your FSA account or your loan servicer dashboard.
- You can find the Loan Account Number in your FSA account. The first loan listed will start with 001 followed by the account number for each loan listed.
- We do not recommend requesting a grace period for consolidation, so you can leave the box in question 17 empty.
Loans I Do Not Want To Consolidate
- Generally you will want to consolidate all of your loans together.
Repayment Plan Selection
- Essential and PRO Savi users can complete an application to enroll in an Income Driven Repayment plan once the consolidation loan is finalized.
- DIY users will need to submit an application in addition to the consolidation application.
You will then need to sign and date your application. You do not need to submit any additional information with this consolidation application. Aidvantage will process all consolidation applications, however you can choose Aidvantage, MOHELA, or EdFinancial as your new loan servicer. Borrowers who are pursuing PSLF are no longer required to choose MOHELA. If you are currently with one of those three servicers, your application will be processed quicker if you submit to the same servicer. Here are the addresses/fax numbers for each servicer:
- Aidvantage
ATTN: ED Loan Consolidation
PO BOX 300005
GREENVILLE, TX 75403-3005
Fax: 866-266-0178 - EdFinancial
C/O Aidvantage
PO BOX 300008
GREENVILLE, TX 75403-3008
Fax: 855-337-6884 - MOHELA
C/O Aidvantage
PO BOX 300006
GREENVILLE, TX 75403-3006
Fax: (866) 222-7060