Direct consolidation 2026

1. Click ‘Get Form’ to open the Direct Consolidation Loan Application in the editor.
2. Begin by filling out the Borrower Information section. Enter your last name, first name, middle initial, and other personal details such as your Social Security Number and date of birth.
3. Provide your permanent address and contact information. Ensure that all entries are accurate to avoid processing delays.
4. In the Loans You Want to Consolidate section, list each federal education loan you wish to consolidate. Include loan codes, holder names, account numbers, and estimated payoff amounts.
5. Select your preferred repayment plan from the Repayment Plan Selection section. Review options like Standard or Income-Driven plans carefully before making a choice.
6. Complete the Borrower Understandings, Certifications, and Authorizations section by reading through and confirming your understanding of the terms outlined.
7. Finally, review all entered information for accuracy before submitting pages 1 through 5 of your application for processing.

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