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.
How to fill out Federal Direct Consolidation Loan Application and Promissory Note
Enter borrower information
Provide your name, date of birth, Social Security number, address, phone number, email, and employer information.
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.
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).
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
- 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
Frequently asked questions
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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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