Sections 1 to 6: instructions
Background on joint consolidation loans, the three ways to apply, terms used in the form, how to complete it, the servicer mailing addresses and a help phone number.
Joint Consolidation Separation
Joint Consolidation Loan Separation Application and Promissory Note
- Agency
- Federal Student Aid
- Revision
- OMB No. 1845-0182, exp. 05/31/2027
- Fillable fields
- 58
- Pages
- 38
- Official source
- Federal Student Aid form page
- Checked
- October 20, 2026
Joint Consolidation Loan Separation Application and Promissory Note
The Combined Application to Separate a Joint Consolidation Loan and Direct Consolidation Loan Promissory Note is a U.S. Department of Education form under the William D. Ford Federal Direct Loan Program. The form explains that before July 1, 2006, married borrowers could combine their federal student loans into one joint consolidation loan, and each agreed to be liable for the whole debt regardless of any later change in marital status. The Joint Consolidation Loan Separation Act now lets them apply to split that debt into individual Direct Consolidation Loans.
The form is both the application and the promissory note for the new loan, and it calls itself a legally binding contract. The co-borrower does not sign your form: when both co-borrowers apply, each sends a separate one.
You can fill it out free in your browser on this page and download the result without an account.
What's on the application
Section 7: borrower information
Items 1 to 12: name, former names, Social Security number, date of birth, driver's license state and number, email, phone numbers, permanent and mailing address, and employer name, address and work phone.
Section 8: co-borrower information
Items 13 to 15: the co-borrower's name, Social Security number if known, and date of birth, used to identify the joint loan.
Section 9: two references
Items 16 and 17: two people with different U.S. addresses who do not live with you and have known you for at least three years. The form says references never repay the loan.
Section 10: how you are applying
Check one of Items 18, 19 or 20: joint proportional separation, joint separation by divorce decree, court order or settlement agreement, or a separate application.
Sections 11 to 14: plan, promises and terms
Repayment plan selection, the certifications and authorizations in Items 21 to 23, the promises and signature in Items 24 and 25, then the loan terms and borrower rights in Section 14.
How to apply to separate a joint consolidation loan
- 1
Choose how to apply
Pick one of Items 18, 19 or 20 in Section 10. For Item 18 or 19, the form says the co-borrower sends a separate form with the same item checked.
- 2
Fill in Sections 7 to 9
Your details, the co-borrower's details and two references. The form asks for dates as mm/dd/yyyy and N/A where an item does not apply.
- 3
Select a repayment plan
The form points to the Repayment Plan Selection form for the Standard, Graduated or Extended plan, or the Income-Driven Repayment Plan Request on StudentAid.gov or on paper.
- 4
Read the whole form, then sign
Item 24 includes a promise not to sign before reading the entire form. Sign and date Item 25; the form says an unsigned application cannot be processed.
- 5
Mail pages 6 to 16
Send pages 6 through 16, the repayment plan form and, with Item 19, a copy of the divorce decree, court order or settlement agreement. The form says to keep a copy.
- 6
Watch for the payoff notice
Before paying off the joint loan, the Department sends a notice with the payoff amount for your portion and the deadline to cancel.
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Where to send it and what happens next
Mailing address
The form lists one Greenville, TX address per servicer: Aidvantage (ATTN: ED Loan Consolidation, PO Box 300005), and Nelnet Servicing (PO Box 300007), Edfinancial (PO Box 300008), CRI Servicing (PO Box 300009) and MOHELA (PO Box 300006), each in care of Aidvantage.
Help
For help completing the application, the form gives 1-800-433-3243.
Joint applications
For Items 18 and 19, the form says neither application is processed until both co-borrowers apply with the same item checked. If one cancels by the deadline, processing of the other application stops too.
Payments in the meantime
The form says to keep making payments on the joint loan, unless a deferment or forbearance was granted, until written notice that it has been separated.
Interest rate and first payment
Unless the Department says otherwise in writing, the new loan's rate equals the joint loan's rate the day before the new loan is made. The form says the first payment is due within 60 days after the payoff, unless a deferment or forbearance applies.
Related forms
Repayment Plan Request
Repayment Plan Request
19 fields, 7 pages
IDR Plan Request
Income-Driven Repayment (IDR) Plan Request
52 fields, 19 pages
PSLF
Public Service Loan Forgiveness (PSLF) Application
30 fields, 16 pages
General Forbearance
General Forbearance Request
24 fields, 8 pages
1098-E
Student Loan Interest Statement
43 fields, 4 pages
Who uses this application?
The form says it is only for separating a joint consolidation loan currently owed by you and the co-borrower named in Section 8.
Official sources and the blank
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Questions about Form Joint Consolidation Separation
Does my former spouse have to sign my application?
No. The form says the co-borrower does not sign your Application/Promissory Note. For a joint application under Item 18 or 19, the co-borrower sends a separate form and checks the same item.
Can I apply without my former spouse?
Item 20 is the separate application. The form says it is for an applicant who certifies economic abuse or domestic violence by the co-borrower, as defined in the Violence Against Women Act, or being unable to reach the co-borrower or get their loan information, or whom the Department allows to apply separately.
How is the amount of the new loan figured?
Under Items 18 and 20, the form takes the share of the original joint loan balance that came from your own loans and multiplies it by the current outstanding balance. Under Item 19, it uses the percentage set in the divorce decree, court order or settlement agreement.
What happens to the rest of the joint loan under Item 20?
The form says the co-borrower is notified in writing and is solely responsible for the remaining balance of the joint consolidation loan.
Which pages are mailed back?
Pages 6 through 16, plus the repayment plan form and, with Item 19, the divorce decree, court order or settlement agreement. The form says to omit pages 17 to 38.
Can an application be canceled after it is sent?
The payoff notice gives a deadline to cancel. For a joint application, the form says a cancellation by either co-borrower stops processing of both applications.