PSLF is available only for Direct Loans. However, borrowers with FFEL Program loans, Perkins Loan
Program loans, or Health Professions Student Loans who are interested in PSLF may consolidate
those ineligible loans into a Direct Consolidation Loan (which is eligible) and then make 120 qualifying
payments on the Direct Consolidation Loan while employed by a qualifying public service organization
to receive PSLF. Note that payments you made on the FFEL Program loans, Perkins Loans, or Health
Professions Student Loans before they were consolidated into the Direct Loan Program do not count
toward the required 120 qualifying payments. For more information about consolidating into the Direct
Loan Program, contact the Loan Consolidation Information Call Center at 1-800-557-7392.

Also, Perkins Loan borrowers should be aware that certain cancellation and other benefits available
under the Perkins Loan Program do not apply to a Direct Consolidation Loan that repaid a Perkins
Loan. The servicer for your Perkins Loan can provide you with details on any benefits you might be
giving up if you include your Perkins Loans in a Direct Consolidation Loan.

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