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Generally, this is around the same time of the year that you first began repayment under the IDR plan that you selected.It's important for you to provide the required information by the specified annual deadline.You may lose benefits under the Servicemembers Civil Relief Act if you consolidate while on active duty.Adding Other Loans to a Consolidation Loan You may also add eligible federal loans to your existing Direct Consolidation Loan using the form below if you are within 180 days of the date we paid off the first loans you are consolidating.

It's important to understand and carefully consider all factors before consolidating.For Direct Loans only (excluding Parent PLUS and Consolidation Loans that repaid Parent PLUS)For Direct Loans only (excluding Parent PLUS and Consolidation Loans that repaid Parent PLUS)For Direct Loans and FFELP Loans (excluding Parent PLUS and Consolidation Loans that repaid Parent PLUS)For Direct Loans only.NOTE: Direct PLUS Loans made to parents may be eligible if they are consolidated into a Direct Consolidation Loan made based on an application received on or after July 1, 2006.School certification is completed by the school’s financial aid office and confirms the student’s registration, loan amount, and dates of disbursement.Loan amount is dependent on the loan product, other financial aid, creditworthiness, and other factors. The cost of attendance is determined and certified by the educational institution.

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