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Borrower and Loan Eligibility

Borrower Eligibility
You must be in your grace period or have entered repayment on each loan included in the consolidation.

You do not need to have an existing loan with T.H.E. however, you must have attended an eligible four year institution and have a minimum of $10,000 to consolidate.

Eligible Loans
The following loans are eligible for federal loan consolidation:
  • Federal Family Education Loan (FFELP) Program Loans (Stafford, PLUS, SLS, and Consolidation)
  • Federal Direct Student Loan (FDSL) Program Loans (Stafford, PLUS, and Consolidation)
  • Federal Insured Student Loans (FISL)
  • Health Professions Student Loans (HPSL)
  • Health Education Assistance Loans (HEAL)
  • Perkins Loans (NDSL)
  • Loans for Disadvantaged Students (LDS)
  • Nursing Student Loans (NSL)

    Additional Loan Information
    T.H.E. does not offer spousal or private loan consolidation.