Ok it appears that there is a discrepancy. Some say YES it's needs to be clear and some say no. So there is more research to do on this especially on VA loans.
Just contact my loan officer He says a caivrs check must be run on all loans regardless. The agreement that a person has with that borrowing entity would determine if an overlay can be applied to that specific situation. This would include bankruptcy and student loans .
What I can say is what worked for me and has been tested I closed when caivrs was cleared and my consolidation was in place. When you close on your loan share your experience with us to see how it worked for you.