Loan Consolidation Application Tutorial
This tutorial includes easy-to-follow explanations and tips to help you complete your application for student loan consolidation. If you ever want to skip a step, you can use the page navigation above.
The application process could take up to one hour. You will not be able to save your progress and will be logged out after 30 minutes of inactivity. Plan ahead and allow plenty of time.
BEFORE YOU BEGIN – Make sure you have everything you need.
If you don’t already have one, click CREATE AN FSA ID to set one up.
It may take up to three days to receive your ID.
If your spouse will cosign the loan, or if you plan on repaying jointly, your spouse will also need an FSA ID.
You will need the names and contact information of two references. These references cannot be from someone who lives with you nor can they be living with each other.
References are for contact purposes ONLY.
You only need information on the loans you wish to consolidate, including your loan account numbers and the name, address, and phone numbers of the loan holder or servicer.
The NSLDS website (www.nslds.ed.gov) should have all of your federal loan information details.
You’ll need an estimate of your adjusted gross income (your income after taxes and deductions) for last year, including your spouse’s. No need to be exact; you’ll import your actual tax form, as well.
This estimate will help you decide which payment plan is best for you.
Make a note of your pay frequency. Are you paid weekly, bi-weekly, monthly…other?
If you are not employed, you can include a self-certification letter. For that letter, just include how much money you make each year. Then sign and submit the letter.
To simplify the process, consider viewing these instructions on your phone or tablet as you complete the application on another device or computer.