Laws to know.
The Joint Consolidation Loan Separation Act (S.1098)
The Congress.gov webpage for the Senate bill. This bill became Public Law 117-200.
The Congress.gov webpage for the Senate bill. This bill became Public Law 117-200.
The Joint Consolidation Loan Separation Act (H.R.2460)
The Congress.gov webpage for the House bill. This bill was the companion bill to S.1098 for the House of Representatives.
The Congress.gov webpage for the House bill. This bill was the companion bill to S.1098 for the House of Representatives.
Simplified Joint Consolidation Separation Act (H.R.8909)
The Congress.gov webpage for the House bill was presented by Republicans on September 20, 2022, as an alternative to the JCLSA, one day before the House vote on the JCLSA. This bill expired at the end of the 117th Congress.
The Congress.gov webpage for the House bill was presented by Republicans on September 20, 2022, as an alternative to the JCLSA, one day before the House vote on the JCLSA. This bill expired at the end of the 117th Congress.
Offical Guidance & Announcements from the Department of Education for Joint Conslidation Loans
Joint Consolidation Loan Separation News and Updates
This is the U.S. Department of Education's official announcements page for the JCLSA. Be advised. It's content and dates change periodically and ED maintains no record of change, so it can be difficult to gauge modifications in policies and communication. It is good to keep track of what you read and when you read it.
This is the U.S. Department of Education's official announcements page for the JCLSA. Be advised. It's content and dates change periodically and ED maintains no record of change, so it can be difficult to gauge modifications in policies and communication. It is good to keep track of what you read and when you read it.
(LOANS-24-13) Joint Consolidation Loan Separation Guidance for Commercial FFEL – Phase II
This is a page dedicated to JCLs within the U.S. Department of Education's electronic knowledge center. It outlines processing information related to separation of JCLs and consolidation to Direct loans for the resultant loans.
This is a page dedicated to JCLs within the U.S. Department of Education's electronic knowledge center. It outlines processing information related to separation of JCLs and consolidation to Direct loans for the resultant loans.
(LOANS-24-10) Update on Implementation of the Joint Consolidation Loan Separation Act for FFEL Loan Holders and Servicers
This is a page dedicated to JCLs within the U.S. Department of Education's electronic knowledge center. It outlines processing information related to separation of JCLs and consolidation to Direct loans for the resultant loans.
This is a page dedicated to JCLs within the U.S. Department of Education's electronic knowledge center. It outlines processing information related to separation of JCLs and consolidation to Direct loans for the resultant loans.
(LOANS-23-06) Joint Consolidation Loan Separation Act: Forbearance Guidance
Posted July 19, 2023 this article was issued by Education Department to guide servicers on issuance of Administrative Forbearance for Ed-held and commercially-held Joint Comnsolidation Loans while borrwers waited fro implementation.
Posted July 19, 2023 this article was issued by Education Department to guide servicers on issuance of Administrative Forbearance for Ed-held and commercially-held Joint Comnsolidation Loans while borrwers waited fro implementation.
Homeroom Blog
This is the official blog of the U.S. Department of Education. The blog featured an entry dated June 26, 2024 entitled "Implementing the Joint Consolidation Loan Separation Act." This blog article was removed in February 2025.
This is the official blog of the U.S. Department of Education. The blog featured an entry dated June 26, 2024 entitled "Implementing the Joint Consolidation Loan Separation Act." This blog article was removed in February 2025.
Electronic Announcements
The U.S. Department of Education's announcements page. Electronic Announcement resources are one of the primary communication types used to convey guidance regarding the Title IV federal student aid programs.
The U.S. Department of Education's announcements page. Electronic Announcement resources are one of the primary communication types used to convey guidance regarding the Title IV federal student aid programs.
Comment Request: Joint Consolidation Loan Separation Application
(This was a collection announcement [Docket No.: ED-2024-SCC-0005] posted January 12, 2024 soliciting review and comments from the public regarding implementation of the Joint Consolidation Loan Separation Act (JCLSA).
(This was a collection announcement [Docket No.: ED-2024-SCC-0005] posted January 12, 2024 soliciting review and comments from the public regarding implementation of the Joint Consolidation Loan Separation Act (JCLSA).
- Federal Register Link This is the Federal Register Summary for the specified collection [Docket No.: ED-2024-SCC-0005]. You can find public comments as well as organizational comments from DoUsPart! (Comment on FR Doc # 2024-00486) and Student Borrower Protection Center (SBPC) (Comment on FR Doc # 2024-00486).
- Regulations documents This is the Regulation page associated to Federal Student Aid's (FSA) collection [Docket No.: ED-2024-SCC-0005]. It includes draft policy and procedures related to the Separation Application process and formal documents.
Agency Information Collection Activities Announcement (ED)
This was a collection announcement [Docket No.: ED-2024-SCC-0005] posted May 7, 2024 soliciting review and comments from the public regarding implementation of the Joint Consolidation Loan Separation Act (JCLSA). This was a followup to the original January 12, 2024 announcement.
This was a collection announcement [Docket No.: ED-2024-SCC-0005] posted May 7, 2024 soliciting review and comments from the public regarding implementation of the Joint Consolidation Loan Separation Act (JCLSA). This was a followup to the original January 12, 2024 announcement.
FAQs & Other Relevant Guidance
Commonly Asked Questions and Answers for FSA Constituent Casework
Note: This FAQ has either been moved or no longer exists. Historically, This FAQ was presented to Congressional offices as an initial information source to review before continuing with a Congressional Inquiry. While it is a source of boiler plate responses from Congressional offices, it does provide a wealth general student loan information.
Note: This FAQ has either been moved or no longer exists. Historically, This FAQ was presented to Congressional offices as an initial information source to review before continuing with a Congressional Inquiry. While it is a source of boiler plate responses from Congressional offices, it does provide a wealth general student loan information.
Payment Count Adjustments Toward Income-Driven Repayment and Public Service Loan Forgiveness Programs
This is the announcement page for the limited, one-time Income-Driven Repayment (IDR) and Public Service Loan Forgiveness (PSLF) adjustments that were applied in late 2024. It will provide additional one-time IDR adjustment information for borrowers who believe that they qualify for full or weighted average adjustment on their separated JCL.
This is the announcement page for the limited, one-time Income-Driven Repayment (IDR) and Public Service Loan Forgiveness (PSLF) adjustments that were applied in late 2024. It will provide additional one-time IDR adjustment information for borrowers who believe that they qualify for full or weighted average adjustment on their separated JCL.
The Limited Public Service Loan Forgiveness (PSLF) Waiver
For borrowers who submitted the PSLF Waiver Reconsideration Request on or before October 31, 2022, this guidance will explain the benefits of accessing the waiver.
Note: The Department of Education removed this guidance from their site in early 2025. A Limited PSLF Waiver Fact Sheet for Borrowers remains accessible, but it is unknown for how long. Therefore, the PDF is also made available here.
For borrowers who submitted the PSLF Waiver Reconsideration Request on or before October 31, 2022, this guidance will explain the benefits of accessing the waiver.
Note: The Department of Education removed this guidance from their site in early 2025. A Limited PSLF Waiver Fact Sheet for Borrowers remains accessible, but it is unknown for how long. Therefore, the PDF is also made available here.
| limited-pslf-waiver-borrower-fact-sheet.pdf |