If some of my loans are still in the grace period when do I begin repayment of my consolidated loan?
If some of your loans that you want to consolidate are still in the grace period you have the option of indicated on your Direct Consolidation Loan application that you want the servicer that is processing  your application to delay the consolidation of your loans until closer to the grace period end date.
If I decide that I would like to consolidate my loans how do I go about applying for a Direct Consolidation Loan?
There are two ways in which you can apply. You can complete and submit the application online or you can download and print a paper application for submission by U.S. mail.