Can I add loans later if I consolidate now?

If a Direct Consolidation Loan is made, you may consolidate any additional eligible loan(s) by submitting a request to the Department of Education within 180 days after the date on which the Direct Consolidation Loan is made. The Disclosure issued when a subsequent consolidation is completed shall be controlling and will include the balance of the original Direct Consolidation Loan and of the loan added to it.

If you want to consolidate any additional eligible loan(s) after this period, you will need to apply for a new Direct Consolidation Loan.