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Types of student loan consolidation If you can’t afford the costs of getting through collage, you will probably opt for a student loan. If you can’t afford the costs of getting through collage, you will probably opt for a student loan. Student Loan Consolidation 101 Over $60 billion is allocated by the Federal Government every year to be given out in student loans. The first step in getting a federal student loan is to fill out the Free Application for Federal Student Aid (FAFSA) form, which can be done on the Internet. In order to be eligible for a federal student loan you must be a US citizen or an eligible non-citizen, posses a high school diploma or a General Education Development (GED) certificate and be able to demonstrate that you are in need of fina Over $60 billion is allocated by the Federal Government every year to be given out in student loans. The first step in getting a federal student loan is to fill out the Free Application for Federal Student Aid (FAFSA) form, which can be done on the Internet. In order to be eligible for a federal student loan you must be a US citizen or an eligible non-citizen, posses a high school diploma or a General Education Development (GED) certificate and be able to demonstrate that you are in need of fina