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Student Loan Consolidation Resources and Information

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Jul 28, 2005 - 6:29:00 AM

Title	Description
(NOTE: Files in PDF format will require the Adobe Acrobat Reader. If you do not have Acrobat, you can download a free copy from Adobe.)
Application and Promissory Note - This form serves to collect application information for a new Direct Consolidation Loan. In addition, it also serves as the legal instrument by which you agree to abide by the terms of the Direct Consolidation Loan Program.
Besides the application itself, the paper application package includes numerous forms and inserts that are designed to provide instruction and to help you make an informed decision. The following hyperlinks contain additional information about consolidating your federal education loans and additional forms that you may need, depending on your individual situation. Please review this list carefully.
Dear Borrower Letter	We have prepared a cover letter (Dear Borrower Letter) to help guide you through the package content.
Federal Direct Consolidation Loans Booklet	Find answers to commonly asked questions and helpful examples.
Borrower's Rights and Responsibilities	Understand from the start what your rights and responsibilities are.
Instructions for Application and Promissory Note	Find helpful, line-by-line, guidance and tips-a "must" when you actually complete your application.
Additional Loan Listing Sheet	Use this form if all of your loans do not fit into the space provided in Section D of your Application/Promissory Note.
Repayment Plan Selection	Complete this form only if you are required, or select, to repay your consolidation loan through the Income Contingent Repayment (ICR) Plan.
Income Contingent Repayment Plan Consent to Disclosure of Tax Information	Complete this form only if you are required, or select, to repay your consolidation loans through the ICR Plan. This is your consent for the IRS to disclose your tax information to us. This information helps us determine a fair repayment amount, given your financial situation.
Mailing Instructions	See instructions for mailing the Application and Promissory note.
*Borrowers
Student Loans Driving You Crazy?	Find user-friendly information that will increase your awareness of debt management, and how a Direct Consolidation could affect you personally.
Request to Add a Loan to an Existing Federal Direct Consolidation Loan	Complete this form within 180-days from the date of the first disbursement of the consolidation loan to add any additional eligible loans to your existing consolidation loan. You must complete a new application for any loans added after 180-days.
*Schools
2000 Direct Consolidation School Guide	Find detailed information and guidance that can assist schools, in an advisory role to student borrowers, in understanding consolidation's effect on the institution (default ratios, loan limits), and as a loan holder when participating in the Perkins Loan Program.
*Loan Holders
Loan Verification Certificate	(This form is used ONLY by banks, lending institutions, or schools.)