Eligibility

You are eligible for PCFS consolidation if you have:

• At least $50,000 in eligible loans.
• Not previously consolidated or have a new loan to add (Example: You consolidated your undergraduate loans, but you have new graduate loans to add or if you have two consolidation loans and would like to consolidate down to one).
• Loans that are in active repayment, deferment, forbearance or a six-month post-graduation grace period.
• Loans not "in-school" (Example: If you are a parent with loans, you can consolidate after final disbursement. If you are student, you can consolidate after graduation).

Loans eligible for consolidation are:

• Subsidized Federal Stafford Loans, formerly
  Guaranteed Student Loans (GSL)
• Direct Subsidized Stafford Loans
• Subsidized and Unsubsidized Federal Stafford Loans
• Direct Unsubsidized Stafford Loans
• Federal Supplemental Loans for Students (formerly Auxiliary Loans to Assist Students (ALAS) and Student PLUS loans)
• Federal Perkins Loans, formerly National Defense/National Direct Student Loans (NDSL)
• Health Professions Student Loans, including Loans for Disadvantaged Students
• Federal Insured Student Loans (FISL)
• Federal PLUS (Parent or Graduate) Loans
• Direct PLUS Loans
• Subsidized Federal Consolidation Loans*
• Direct Subsidized Consolidation Loans*
• Unsubsidized Federal Consolidation Loan*
• Direct Unsubsidized Consolidation Loan, including Direct PLUS Consolidation Loans*
• Federal Nursing Loans

* If these loans have been previously consolidated, they must have another eligible loan separate from the consolidation.