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Federal Direct Subsidized and Unsubsidized Loans are eligible for all income-driven repayment plans.

However, other types of federal loans must be part of a consolidation loan to be eligible for income-driven plans.

Department of Education made the landmark decision to allow you to choose your consolidation servicer (of which, Great Lakes is one) under the Direct Consolidation Loan program.

Direct Loan Consolidation can help simplify your student loan repayment strategy and may even lower your monthly payments.Loans that are not eligible for consolidation include state or private loans that are not federally guaranteed.Although all of these different loans may be consolidated, you must have at least one outstanding FFEL or Direct Loan to obtain a Direct Consolidation Loan.While a Direct Consolidation Loan can be a great choice in certain situations, it’s not always the best strategy, nor are all loans eligible.Take the time to review your situation and the benefits and drawbacks of Direct Loan Consolidation before making a decision.

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