Once you graduate or choose to no longer attend school on a half-time basis, you can contact the DL Program for an application for a Direct Consolidation Loan, which will combine the FFEL Program and DL loans into one type of loan. When it comes time to begin repaying the loans, you will be provided with several options concerning consolidation to be able to choose which one has the greatest advantage.  You may call the U.S. Department of Education Consolidation Department at 1-800-557-7392 or visit www.loanconsolidation.ed.gov.