Loan Consolidation

Loan consolidation involves combining several student loans or parent loans into one single loan held by one loan servicer.

If a borrower has a single loan servicer, consolidation is not necessary.

The following loans are eligible for loan consolidation:

The following loans are ineligible for consolidation:

  • Private/Alternative Student Loans

Private student loans may be refinanced but cannot be consolidated with any federal student loans through the federal loan consolidation process. Borrowers should contact their private lender for more information.

Federal student loans cannot be consolidated with federal parent loans.

In order to consolidate federal education loans, visit to begin the application process.