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Southern Oregon University

A consolidation loan combines several individual student loans with various interest rates and repayment schedules into one larger loan from a single lender. Consolidation loans are available for federal loans, including the Federal Family Education Loan Program (Stafford, PLUS), Perkins, Health Professional Student Loans, Nursing, and Direct Loans.

Note: Including a Perkins Loan in a consolidation will result in loss of entitlements. You will no longer be able to apply for Forgiveness (Loan Cancellation) for occupations such as teaching, nursing, certified medical technician, social work, or law enforcement. For more information, see: