The PSLF Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer. However, consolidating a Direct Loan where qualifying payments have been made with a Direct Loan that has zero qualifying payments may decrease the total number of qualified payments credited to your new consolidation loan.
Other federal student loans that are ineligible for the PSLF Program ˗ such as Federal Family Education Loan (FFEL) Program loans, Federal Perkins Loans (Perkins Loan), and Parent PLUS loans ˗ may become eligible if you consolidate them into a Direct Consolidation Loan.