If you have received a consolidation information and application packet from us recently, you may have some questions about it. We're here to help!

1. Why are some loans listed on the Loans not to be consolidated page?
2. I lost my application. How do I get another?

1. Why are some loans listed on the Loans not to be consolidated page?

If you receive an application with loans listed on the Loans not to be consolidated page, you have received what is called a two step application. A two step application means that certain types of federal loans, like Direct Federal Stafford Loans, Direct Federal PLUS Loans, or Direct Federal Consolidation Loans, are present in your application alongside a regular Federal Stafford, PLUS, or Consolidation Loan.

Rest assured, all your loans will be consolidated! What happens is that the Direct Federal student loans are paid off in the first step of the two step process because of the unique nature of these loans. In the second step, the remaining loans are paid off and combined with the loans in the first step.

At the end of the process, you will have one loan and one easy, low payment. The two step process is required because of federal regulations about Direct loans obtained from the Department of Education, which is not a bank and has different lending rules.

2. I lost my application. How do I get another?

Give us a call with your name, date of birth, and the last four digits of your Social Security Number. We will retrieve your electronic records and send you a new one.
Student Loans Application