Consolidation Loans

Consolidation Loans allow you to combine your federal student loans into a single loan with one monthly payment.

Under the William D. Ford Federal Direct Loan (Direct Loan) Program, the federal government provides the loans.

Most federal education loans are eligible for consolidation, including subsidized and unsubsidized Direct and FFEL Stafford Loans, SLS, Federal Perkins Loans, Federal Nursing Loans, and Health Education Assistance Loans. Private education loans are not eligible. PLUS Loan borrowers (parent borrowers) also can consolidate their loans. Consolidation is available to borrowers who have entered repayment.

  • For Stafford Loans, contact your loan servicer*.
  • If you have questions about consolidating Perkins loans (some of your loan provisions may cease if you consolidate), you may contact the Perkins Office at UW-Superior. 

*Direct Loans may be serviced by several different service centers. It is the goal of the Department of Education that all of your Direct Loans will have the same servicer. To find out who is servicing your loan(s), please log onto the National Student Loan Data System (NSLDS) and view the individual loan(s). Each will list the servicer with their customer service contact information. Customer Service Centers include Direct Loan Servicing, Great Lakes, Nelnet, Fedloan (PHEAA), Sallie Mae, CornerStone, HESC/Edfinancial, Granie State - GSMR, and OSLA Servicing.