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Can a joint FFEL Consolidation Loan be consolidated into a Direct Consolidation Loan so that one or both borrowers working in qualified public service
No. The law no longer permits joint consolidation loans to be made, so joint FFEL Consolidation Loan
borrowers may not reconsolidate their FFEL Consolidation Loan into a Direct Loan. In addition, since
joint consolidation borrowers are jointly and severally liable for repayment of the joint consolidation
loan for the life of that loan, one of the borrowers may not individually reconsolidate a joint FFEL
Consolidation Loan into a new Direct Consolidation Loan to take advantage of PSLF.