If you have some of your loans with the Direct Loan Program or Perkins and some with one FFELP lender*, then you may qualify for a process where we will move forward with consolidating your Direct loans or Perkins in one ScholarPoint loan and then use a form called the "180 Day Add-on" to roll or add your FFELP lender loans into that loan. This may seem complicated, but under current guidelines, the Direct Loan Program is not considered a private lender. What this means is that the private lender you have some of your loans with is the first lender you may be able to work with. This process requires we fund your loan in two stages using one additional form, the 180 Day Add-on form. In the first stage, we will consolidate only your Direct loans. You will receive a notice from us indicating the completion of this stage. Once your Direct loans have been paid off, we automatically consolidate your remaining loans using the 180 Day Add-on form. We estimate up to six weeks for each stage in the process with no additional work on your end.