Applying for a Federal Consolidation Loan

Note: Before starting the application, make sure you meet the following criteria:

• Have a total outstanding balance of at least $3,500 on the loans you wish to consolidate;

• Have at least one loan with Georgia's Federal Family Education Loan Program (FFELP) with GSFC as your lender (Lender Code 822573);

• Be in your grace period or repayment (including loans in deferment or forbearance) at the time of application;

• If your loans are in default status, you must have made satisfactory repayment arrangements with the holder of your loans or agree to repay the consolidation loan under an income-sensitive repayment plan.

• Not have another consolidation loan application pending with another lender.

If you're not sure if you are eligible or need help with the application, you can call GSFC at 1-800-505-4732.

Download the GSFC Loan Consolidation Application.

If you need additional information regarding the Federal Consolidation Program, please visit the Federal Consolidation Loan information section located in Paying for College.

Your student loan may be sold. Student loans are sold for a number of reasons, including to raise funds to make additional student loans. Generally, if your loan is sold, your borrower benefits will remain the same. In addition, unless you are notified otherwise, the contact information for servicing your loans will remain the same. If you need additional information, please contact your lender directly.