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Direct consolidation loans are now the only type of federal student consolidation loan.Under the Direct Loan Consolidation Program, you can consolidate Subsidized and Unsubsidized Stafford Loans, Supplemental Loans for Students (SLSs), Federally Insured Student Loans (FISLs), PLUS Loans, Direct Loans, Perkins Loans, Health Education Assistance Loans (HEALs), and just about any other type of federal student loan.

To begin with, a new electronic consolidation loan application process was launched on the Student Web site on January 2, 2014.The last thing you want to do is consolidate your loans into a repayment plan that ends up costing you more!Whether on your own or with a student loan finance specialist by your side, officially starting the process to combine your student loans begins with a lot of paperwork.Begin by logging in to your account at using your four-digit federal Personal Identification Number (PIN). The application will be populated with information from your loan record.If you don’t remember your PIN, you can get it here: gov. You will be asked to review and select loans for consolidation.

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