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Education, Insurance & Misc

Fill out Federal Direct Consolidation Loan Application and Promissory Note online

The Federal Direct Consolidation Loan Application and Promissory Note allows borrowers to combine multiple federal student loans into a single Direct Consolidation Loan with one monthly payment and one loan servicer. Consolidation can simplify repayment and provide access to additional repayment plans and forgiveness programs.

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Federal Direct Consolidation Loan Application and Promissory Note - simplepdf.com
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How to fill out Federal Direct Consolidation Loan Application and Promissory Note

1

Enter borrower information

Provide your name, date of birth, Social Security number, address, phone number, email, and employer information.

2

List loans to consolidate

Identify the federal loans you want to consolidate. You can include Federal Direct Loans, FFEL Program Loans, Federal Perkins Loans, and certain other federal education loans.

3

Select a repayment plan

Choose your preferred repayment plan for the consolidation loan. Options include Standard, Graduated, Extended, and income-driven plans (ICR, IBR, PAYE, SAVE).

4

Sign the promissory note

Read the terms and conditions carefully. Sign and date the promissory note section, which is your legal promise to repay the consolidation loan.

About Federal Direct Consolidation Loan Application and Promissory Note

Who needs this form

Federal student loan borrowers who have multiple loans and want to simplify repayment into a single monthly payment. Also used by borrowers who need to consolidate to qualify for income-driven repayment plans or Public Service Loan Forgiveness.

Where to submit

Submit online at studentaid.gov or mail the completed form to the address listed in the instructions. Processing typically takes 30-60 days.

Source and content freshness

Official source (studentaid.gov)
  • Reviewed: 2026-02-16
  • Filing deadlines may shift for weekends and holidays. Verify due dates with official instructions.

Common mistakes to avoid

  • Not listing all loans to be consolidated (unlisted loans remain separate)
  • Consolidating loans that are already eligible for forgiveness progress (resets the payment count)
  • Not selecting a repayment plan on the application
  • Forgetting to continue making payments on existing loans until consolidation is complete

Got any questions?

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Is this legal, tax, or immigration advice?
No. SimplePDF provides form-filling tools and general informational content, not professional advice. Verify requirements with official instructions or a qualified professional.
Can I share a direct link to this form?
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Will consolidation reset my progress toward loan forgiveness?
Yes. If you consolidate loans that have qualifying payments toward Public Service Loan Forgiveness (PSLF) or income-driven repayment forgiveness, your payment count resets to zero on the new consolidation loan. Consider this carefully before consolidating.

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