(NOTE: Files in PDF format will require the Adobe Acrobat Reader. If you do not have Acrobat, you can download a free copy from Adobe.) Application and Promissory Note Addendum - This form serves to collect application information for a new Direct Consolidation Loan. In addition, it also serves as the legal instrument by which you agree to abide by the terms of the Direct Consolidation Loan Program. Besides the application itself, the paper application package includes numerous forms and inserts that are designed to provide instruction and to help you make an informed decision. The following hyperlinks contain additional information about consolidating your federal education loans and additional forms that you may need, depending on your individual situation. Please review this list carefully. Title Description Dear Borrower Letter We have prepared a cover letter (Dear Borrower Letter) to help guide you through the package content. Borrower's Rights and Responsibilities Understand from the start what your rights and responsibilities are. Instructions for Application and Promissory Note Find helpful, line-by-line, guidance and tips-a "must" when you actually complete your application. Additional Loan Listing Sheet Use this form if all of your loans do not fit into the space provided in Section D of your Application/Promissory Note. Repayment Plan Selection Complete this form only if you are required, or select, to repay your consolidation loan through the Income Contingent Repayment (ICR) Plan. Income Contingent Repayment Plan Consent to Disclosure of Tax Information Complete this form only if you are required, or select, to repay your consolidation loans through the ICR Plan. This is your consent for the IRS to disclose your tax information to us. This information helps us determine a fair repayment amount, given your financial situation. Mailing Instructions See instructions for mailing the Application and Promissory note. *Borrowers Request to Add a Loan to an Existing Federal Direct Consolidation Loan Complete this form within 180-days from the date of the first disbursement of the consolidation loan to add any additional eligible loans to your existing consolidation loan. You must complete a new application for any loans added after 180-days. *Loan Holders Loan Verification Certificate (This form is used ONLY by banks, lending institutions, or schools.)