U.S. Department of Health & Human Services
National Institutes of Health
Office of Extramural Research
Loan Repayment Programs
> Loan Consolidation
BEFORE CONSOLIDATING, MAKE SURE YOUR LOANS REMAIN ELIGIBLE FOR THE LRPs
Consolidating your student loans to simplify payments and secure a lower interest rate may make financial sense.It can also streamline servicing and repayment of your accounts if you receive an LRP award. Consolidated loans can be repaid by the LRPs, but your educational loans must remain separate from other types of loans in order to be eligible. It is critical that you:
Do not consolidate your student loans with those of another individual, such as a spouse or child. These loans are not repayable under the LRPs.
Do not consolidate your student loans with any non-student loans, such as a home equity or personal loan. These loans are not repayable under the LRPs.
Furthermore, if you are currently an LRP participant, do not consolidate loans with any that are not already in your approved portfolio.
Student loans can be consolidated at any time. Be sure to get a disclosure statement on the consolidated loans from your lender. Inform the NIH Division of Loan Repayment (DLR) prior to finalizing your consolidation so that NIH can correctly maintain your loan portfolio. E-mail the DLR Information Center at
To learn more about your options, a
loan consolidation primer
is provided by the Association of American Medical Colleges.
The federal student loans program offers an opportunity to merge all of your student loans. Visit the
Federal Direct Consolidation Loans Website
or call 800-557-7392. You might also want to discuss options with your current lender.
Date Last Updated: October 1, 2010
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Date Last Reviewed: February 23, 2013
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