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Native American Direct Loan (NADL) Program: First, confirm that your tribal organization participates in the VA direct loan program. NADL loans are obtained through a lender of your choice once you obtain a Certificate of Eligibility (COE). You can obtain a COE through eBenefits. by mail, and often through you lender. Learn More â˘ You can use them for debt consolidation There are various credit organizations that cheat on the borrower and fee interest charge that is high along with other expenses.