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Contact Information

Finance Office


Krikac Administration Building 202A

1200 S. Jay St.

Aberdeen, S.D. 57401


Phone: 605-626-2538

Fax: 605-626-3022

E-mail: Tammy Heilman



Monday-Friday: 8 a.m.-4:50 p.m. 

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Northern State University
Loan Consolidation

Consolidation loans are designed to make student loan repayment easier. They allow the borrower to combine existing eligible federal student loans into one new loan. Federal Perkins Loans are eligible for consolidation.


The advantage to consolidation is that it may extend the loan repayment period, thereby lowering the monthly payments. However, the extended repayment term will mean that the borrower will pay more interest over the life of the loan.


A consolidation loan can be a good alternative for borrowers who owe a large sum of money on several student loans with high monthly payments, have student loans with several different lenders, or have several loans due-dated.


For details on consolidation, contact one of your existing student loan lenders; or, you may wish to contact the U.S. Department of Education Direct Loan office at 1-800-557-7392 or visit the links below:


Loan Consolidation Pros and Cons


Direct Consolidation Loan Application