Can I include a Perkins Loan and/or an HHS Loan in an In-school consolidation?
Yes. As of July 3, 2001, both Perkins Loans and HHS Loans can be included in an in-school consolidation provided the borrower includes at least one FFEL or Direct Loan in an in-school period and meet all other eligibility criteria. We strongly urge borrowers to review the previous FAQs on Perkins Loans and HHS Loans AND compare the benefits they will lose and gain prior to making a decision.