Consolidating college access loans

There is no cap on the interest rate of a Direct Consolidation Loan.

The Texas Higher Education Coordinating Board ( is the state-sanctioned student loan resource designed exclusively for the benefit of Texas students.

Perkins borrowers may have multiple outstanding loans, but many students also carry federal Stafford Loans, and others issued through the Direct Loan Program.

Students with multiple federal loans are increasingly concerned about how they will meet repayment obligations after graduation.

Federal Direct Loan Program (FDLP) loans include Direct Subsidized, Direct Unsubsidized, Direct PLUS (for parents of dependent undergraduate, graduate, and professional students), and Direct Consolidation loans.

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can be found at you may contact the Financial Aid office at your college.

Some loans are always ineligible for consolidation.

While these loans may not be included in a Direct Consolidation Loan, they may be considered in the calculation of the maximum repayment period under the Graduated or Extended Repayment Plan.

The CAL may be used to cover part or all of the student's Expected Family Contribution (EFC), which is calculated by completing the Free Application for Federal Student Aid (FAFSA).

However, the amount of federal aid for which you are eligible must be deducted from the cost of attendance in determining the CAL loan amount.

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