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Federal education loans that are eligible for consolidation into a Direct Consolidation Loan include: - Subsidized and unsubsidized Federal Stafford Loans - Federal PLUS Loans taken out by parents for their dependent undergraduate children - Federal loans made under older programs like the Federal Family Education Loan (FFEL) program Borrowers must consolidate at least one eligible federal loan but are not required to consolidate all loans. They may exclude loans with interest rates lower than the Direct Co

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