The Federal Family Education Loan (FFEL) Program was a system of private student loans that were subsidized and guaranteed by the United States federal government. The program issued loans from 1965 until it was ended in 2010. The FFEL Program included subsidized and unsubsidized Federal Stafford Loans, Federal PLUS Loans, and Federal Consolidation Loans. The loans were issued by private lenders but guaranteed by the federal government. Some FFEL Program loans are held by the U.S. Department of Education, but most are held by a guaranty agency or a commercial lender. Borrowers with FFEL loans may want to consolidate to take advantage of more student loan benefits, including Revised Pay As You Earn income-driven repayment and Public Service Loan Forgiveness. However, loans granted under the FFEL program are not eligible for the Public Service Loan Forgiveness program. Borrowers with FFEL loans can gain access to loan forgiveness by consolidating an existing loan with the Federal Direct Student Loan Program, but payments made before consolidating do not typically count toward loan forgiveness.