Effective April 2008, MHESLA stopped originating new Federal Family Educational Loan (FFEL) Program loans. Most schools now participate in Federal Direct Loan Program. Contact the school's Financial Aid Office to confirm their participation.

Federal Consolidation Loans allow borrowers to combine any number of existing federal educational loans into a single, more manageable loan. Effective July 1, 2010, all new federal student loans, including consolidation loans, come directly from the U.S. Department of Education (ED) under the William D. Ford Federal Direct Loan Program (Federal Direct Loans).*

Most Federal Family Education Loan Program (FFELP) and Federal Direct Loan Program loans are eligible for consolidation, including:

• Stafford
• PLUS
• GRAD PLUS
• Federal Supplemental Loan for Students (SLS)
• Perkins
• Federal Insured Student Loans (FISL)
• Nursing Student Loans (NSL)
• Health Education Assistance Loans (HEAL)
• Health Professions Student Loans (HPSL)
• HPSL Loans for Disadvantaged Students (LDS)

* Before July 1, 2010, Stafford, PLUS, and Consolidation Loans were also made by private lenders under the Federal Family Education Loan (FFEL) Program.

If you have questions about which loans you have borrowed, the amount of each loan, or your outstanding balance(s), sign into the National Student Loan Data System (NSLDS).

Private/alternative loans are not eligible for federal consolidation.