The source of the loan application and funding is semester and year specific. The combination of FFEL Program and DL loans is not unusual. In the case of the DL Program, since the choice to participate in either FFEL Program or DL is a decision that each school must make, it already happens that you could have loans in both programs. This is the case if you begin your education at a school that uses the DL Program and then transfer to a school using the FFEL Program; you would have loans with each program. In order to make repayment to one source once repayment starts, you may take out a federal consolidation loan which combines both types of loans into a single loan.