Can You Combine a PLUS Loan with Other Student Loans?

A parent or a graduate student who obtained a PLUS loan with other federal student aids can now combine these loans into one and make a single payment instead of several payments of the debts. Whether you acquired your PLUS loan through the FFEL or Direct Loan programs, you can consolidate it with other eligible student loans by applying for the direct consolidation loan program administered by the Department of Education.

Qualified Loans

Subsidized and/or unsubsidized federal student loans are qualified for a loan consolidation with a PLUS loan. Other types of loans that can be fused with a PLUS loan are the:

  • Federal Perkins Loans

  • National Direct Student Loans (NDSL)

  • National Defense Student Loans (NDSL)

  • Federal Supplemental Loans for Students (SLS)

  • Parent Loans for Undergraduate Students (PLUS)

  • Auxiliary Loans to Assist Students (ALAS)

  • Health Professions Student Loans (HPSL)

  • Health Education Assistance Loans (HEAL)

  • Nursing Student Loans (NSL)

  • Loans for Disadvantaged Students (LDS)

  • Federal Insured Student Loans (FISL)

  • Guaranteed Student Loans (GSL)


Unqualified Loans

Student financing that are not federally insured or guaranteed are not valid for a loan consolidation with a PLUS loan. Other ineligible loans are the Primary Care Loans, Medical Assist Loans, Primary Care Loans, and PLATO Loans.


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