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Before you consolidate, make sure that positive features of your original loans are not lost during the transition.* Bank of America student financial products are in flux due to recent changes in the way student loans are issued.By cutting out the middleman – the private lender – the Department of Education administers funding with greater efficiency, thus expanding educational opportunity among borrowers.All loans issued after July 1st, 2010 are part of the William D.But participation does not always guarantee a rosier outlook.

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In the past, students submitted the Free Application for Federal Student Aid (FAFSA), to the Department of Education, before being referred to private lenders for loan fulfillment.Stafford Loans, and other government-subsidized initiatives, including consolidation loans, were among BOA’s stable of student assistance programs.Today, regional and national banks extend attractive private student loan products, but they are no longer included in the federal financial aid process.Ford Federal Direct Loan Program, which distributes aid directly from the DOE.Federal Loan Consolidation remains an option for students, and BOA does offer a portfolio of student-oriented financial services that meet a variety of educational needs.

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