Joint Consolidation Loan Separation Application

Forms and Documents

Forms and supporting documents for this ICR

Document	Type	Status	Availability
Joint Consolidation Loan Separation Application (Private)	Form and Instruction	Modified	Available
Joint Consolidation Loan Separation Application (Private)	Form and Instruction	Modified	Available
Joint Consolidation Loan Separation Application (Profit)	Form and Instruction	Modified	Available
Joint Consolidation Loan Separation Application (Profit)	Form and Instruction	Modified	Available
Joint Consolidation Loan Separation Application (Individuals)	Form and Instruction	Modified	Available
Joint Consolidation Loan Separation Application (Individuals)	Form and Instruction	Modified	Available
30D_R_App for JCL Separation and DL Promissory Note_1845-0182_OMB.pdf	Supplementary Document	Uploaded 2026-06-30	Available
30D_R_Instructions for completing the app and prom note_1845-0182_OMB.pdf	Supplementary Document	Uploaded 2026-06-30	Available
30D_R_Loan Verification Certificate_JCL_1845-0182_OMB.pdf	Supplementary Document	Uploaded 2026-06-30	Available
60 Day Comment Responses_1845-0182.docx	Supplementary Document	Uploaded 2026-06-24	Available
R_Loan Verification Certificate_JCL_1845-0182.pdf	Supplementary Document	Uploaded 2026-04-07	Available
R_App for JCL Separation and DL Promissory Note_1845-0182.pdf	Supplementary Document	Uploaded 2026-04-07	Available
R_Instructions for completing the app and prom note_1845-0182.pdf	Supplementary Document	Uploaded 2026-04-07	Available
Supporting Statement_1845-0182.docx	Supporting Statement A	Uploaded 2026-06-24	Available

IC Document Collections

Information collection document groups

IC ID	Collection	Type	Status	Form
264306	Joint Consolidation Loan Separation Application (Private)	Form and Instruction	Modified	NA
264306	Joint Consolidation Loan Separation Application (Private)	Form and Instruction	Modified	NA
264306	Joint Consolidation Loan Separation Application (Private)	Instruction	Modified
264305	Joint Consolidation Loan Separation Application (Profit)	Form and Instruction	Modified	NA
264305	Joint Consolidation Loan Separation Application (Profit)	Form and Instruction	Modified	NA
264305	Joint Consolidation Loan Separation Application (Profit)	Instruction	Modified
264304	Joint Consolidation Loan Separation Application (Individuals)	Form and Instruction	Modified	NA
264304	Joint Consolidation Loan Separation Application (Individuals)	Form and Instruction	Modified	NA
264304	Joint Consolidation Loan Separation Application (Individuals)	Instruction	Modified

ICR Details

OMB Control No: 1845-0182	ICR Reference No: 202604-1845-003
Status: Received in OIRA	Previous ICR Reference No: 202406-1845-001
Agency/Subagency: ED/FSA	Agency Tracking No: ED-2026-SCC-1255
Title: Joint Consolidation Loan Separation Application
Type of Information Collection: Revision of a currently approved collection	Common Form ICR:  No
Type of Review Request: Regular	Date Submitted to OIRA: 06/30/2026

table that charts list comparision

	Requested	Previously Approved
Expiration Date	36 Months From Approved	05/31/2027
Responses	19,773	74,000
Time Burden (Hours)	6,466	24,050
Cost Burden (Dollars)	0	0

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Abstract: The Joint Consolidation Loan Separation Act (JCLSA), amended the Higher Education Act of 1965, as amended (HEA) to allow joint consolidation co-borrowers to apply to separate an existing joint Direct Consolidation Loan or Federal Consolidation Loan into individual Direct Consolidation Loans. The HEA, as amended by the JCLSA, requires joint consolidation loan borrowers to apply to the U.S. Department of Education if they wish to separate an existing joint consolidation loan into one or more individual Direct Consolidation Loans. The One Big Beautiful Bill Act (OBBBA) signed into law on July 4, 2025, made statutory changes to Sections 455(d), 455(e), 455(g), and 455(q) that impact the terms and conditions and borrowers’ rights and responsibilities for Direct Loans (including consolidation loans) received on or after July 1, 2026. This is a request for a revision of this collection to align with the requirements of the OBBBA.

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Authorizing Statute(s): US Code: 20 USC 1087(e)(g) Name of Law: Higher Education Act of 1965, as amended
  

Citations for New Statutory Requirements: US Code: 20 USC 1087(e)(g) Name of Law: Higher Education Act of 1965, as amended

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Associated Rulemaking Information
RIN:	Stage of Rulemaking:	Federal Register Citation:	Date:
	Not associated with rulemaking

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Federal Register Notices & Comments
60-day Notice:	Federal Register Citation:	Citation Date:
	91 FR 17955	04/09/2026
30-day Notice:	Federal Register Citation:	Citation Date:
	91 FR 39607	06/30/2026
Did the Agency receive public comments on this ICR? Yes

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Number of Information Collection (IC) in this ICR: 3

table that charts list of burden

IC Title	Form No.	Form Name
Joint Consolidation Loan Separation Application (Individuals)	NA, NA	NA ,   NA
Joint Consolidation Loan Separation Application (Private)	NA, NA	NA ,   NA
Joint Consolidation Loan Separation Application (Profit)	NA, NA	NA ,   NA

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ICR Summary of Burden

table that charts list of burden

	Total Request	Previously Approved	Change Due to New Statute	Change Due to Agency Discretion	Change Due to Adjustment in Estimate	Change Due to Potential Violation of the PRA
Annual Number of Responses	19,773	74,000	0	-54,227	0	0
Annual Time Burden (Hours)	6,466	24,050	0	-17,584	0	0
Annual Cost Burden (Dollars)	0	0	0	0	0	0

Burden increases because of Program Change due to Agency Discretion: No

Burden Increase Due to:

Burden decreases because of Program Change due to Agency Discretion: Yes

Burden Reduction Due to: Miscellaneous Actions

Short Statement: The Department estimates 19,773 responses and 6,466 annual burden hours. This is 54,227 and 17,584 responses and burden hours, respectively. The decrease is due to the Department using the most recent administrative data available on joint consolidation. This is a request for a revision to this collection to align with the requirements of the One Big Beautiful Bill Act.

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Annual Cost to Federal Government: $0

Does this IC contain surveys, censuses, or employ statistical methods? No

Does this ICR request any personally identifiable information (see OMB Circular No. A-130 for an explanation of this term)? Please consult with your agency's privacy program when making this determination.     Yes

Does this ICR include a form that requires a Privacy Act Statement (see 5 U.S.C. §552a(e)(3))? Please consult with your agency's privacy program when making this determination.     Yes

Is this ICR related to the Affordable Care Act [Pub. L. 111-148 & 111-152]? No

Is this ICR related to the Dodd-Frank Wall Street Reform and Consumer Protection Act, [Pub. L. 111-203]? No

Is this ICR related to the American Recovery and Reinvestment Act of 2009 (ARRA)? No

Is this ICR related to the Pandemic Response? No

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Common Form ICR:  No

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On behalf of this Federal agency, I certify that the collection of information encompassed by this request complies with 5 CFR 1320.9 and the related provisions of 5 CFR 1320.8(b)(3).

The following is a summary of the topics, regarding the proposed collection of information, that the certification covers:

(a) It is necessary for the proper performance of agency functions;

(b) It avoids unnecessary duplication;

(c) It reduces burden on small entities;

(d) It uses plain, coherent, and unambiguous language that is understandable to respondents;

(e) Its implementation will be consistent and compatible with current reporting and recordkeeping practices;

(f) It indicates the retention periods for recordkeeping requirements;

(g) It informs respondents of the information called for under 5 CFR 1320.8 (b)(3) about:

(i) Why the information is being collected;

(ii) Use of information;

(iii) Burden estimate;

(iv) Nature of response (voluntary, required for a benefit, or mandatory);

(v) Nature and extent of confidentiality; and

(vi) Need to display currently valid OMB control number;

(h) It was developed by an office that has planned and allocated resources for the efficient and effective management and use of the information to be collected.

(i) It uses effective and efficient statistical survey methodology (if applicable); and

(j) It makes appropriate use of information technology.

If you are unable to certify compliance with any of these provisions, identify the item by leaving the box unchecked and explain the reason in the Supporting Statement.

Certification Date: 06/30/2026

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