 There's also some other stipulations that would also work, but I'm hesitant to dive into that for fear that people would just get confused and then ignore everything else I say. So instead, what I would say is if you have direct loans or direct consolidated federal student loans, and you could tell that they're direct loans by going to studentloans.gov and looking at your loans. And if for some reason you lose your login, you could call your loan servicer. You could ask if you have direct loans or direct consolidated loans.