(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.) Besides the application itself, the paper application package includes other 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. Application and Promissory Note The form that you will need to complete (online or in paper) and submit to apply for a Direct Consolidation Loan. The application also includes your Borrower’s Rights and Responsibilities. 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 on your Application/Promissory Note. Repayment Plan Selection Complete this form to select your repayment plan when you are applying for a Direct Consolidation Loan. (NOTE: For your information only, a Repayment Plan Choices insert is also provided to help you decide which plan to select. This insert does not need to be returned to us.) Request for Transcript of Tax Return Complete this form only if you have chosen to repay your consolidation loan under the Income Contingent Repayment (ICR) Plan or the Income-Based Repayment (IBR) Plan, AND you do not have recently filed federal tax returns available to you AND choose not to submit your income to us using the previously received "Alternative Documentation of Income form". Mailing Instructions This document shows the address where you should mail your application and promissory note and other forms related to your consolidation application. *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.)