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You may consolidate with Direct Loans during grace periods, once you have entered repayment, or during periods of deferment or forbearance.Borrowers in default may also consolidate in certain circumstances.Visit the Department of Education’s Repayment Estimator to find out what your payments might be. You can consolidate all, just some, or even just one of your student loans.You will lose your rights under the federal loan programs once you choose to consolidate with a private lender.

Loans that are not eligible for consolidation include state or private loans that are not federally guaranteed.If you borrowed for your child's education: Parent PLUS loans are not eligible for IBR, PAYE, or REPAYE.However, you can consolidate them into a Direct Consolidation Loan to repay them under the Income-Contingent Repayment (ICR) plan.If you borrowed Direct Loans for your own education: All Direct student loans that aren't in default are eligible for REPAYE. To qualify for those plans, your calculated monthly payment (per the formulas in "What's my monthly payment?") must be lower than what you would be required to pay under the 10-year "standard" repayment plan.

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