EXHIBIT (25)(d)
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                                    FORM T-1

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                            STATEMENT OF ELIGIBILITY
                   UNDER THE TRUST INDENTURE ACT OF 1939 OF A
                    CORPORATION DESIGNATED TO ACT AS TRUSTEE

                      CHECK IF AN APPLICATION TO DETERMINE
                      ELIGIBILITY OF A TRUSTEE PURSUANT TO
                             SECTION 305(b)(2) |__|



                              THE BANK OF NEW YORK
               (Exact name of trustee as specified in its charter)

New York                                                     13-5160382
(State of incorporation                                      (I.R.S. employer
if not a U.S. national bank)                                 identification no.)

One Wall Street, New York, N.Y.                              10286
(Address of principal executive offices)                     (Zip code)



                      CONSUMERS ENERGY COMPANY FINANCING VI
               (Exact name of obligor as specified in its charter)


Delaware                                                     To Be Applied For
(State or other jurisdiction of                              (I.R.S. employer
incorporation or organization)                               identification no.)


212 West Michigan Avenue
Jackson, Michigan                                            49201
(Address of principal executive offices)                     (Zip code)

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                           Trust Preferred Securities
                       (Title of the indenture securities)

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1.   GENERAL INFORMATION.  FURNISH THE FOLLOWING INFORMATION AS TO THE TRUSTEE:

     (A) NAME AND ADDRESS OF EACH EXAMINING OR SUPERVISING AUTHORITY TO WHICH
         IT IS SUBJECT.

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                  Name                                        Address
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     Superintendent of Banks of the          2 Rector Street, New York,
     State of New York                       N.Y.  10006, and Albany, N.Y. 12203

     Federal Reserve Bank of New York        33 Liberty Plaza, New York,
                                             N.Y.  10045

     Federal Deposit Insurance Corporation   Washington, D.C.  20429

     New York Clearing House Association     New York, New York   10005

     (B) WHETHER IT IS AUTHORIZED TO EXERCISE CORPORATE TRUST POWERS.

     Yes.

2.   AFFILIATIONS WITH OBLIGOR.

     IF THE  OBLIGOR  IS AN  AFFILIATE  OF THE  TRUSTEE,  DESCRIBE  EACH SUCH
     AFFILIATION.

     None.

16.  LIST OF EXHIBITS.

     EXHIBITS  IDENTIFIED IN PARENTHESES  BELOW, ON FILE WITH THE COMMISSION,
     ARE INCORPORATED  HEREIN BY REFERENCE AS AN EXHIBIT HERETO,  PURSUANT TO
     RULE  7A-29  UNDER THE TRUST  INDENTURE  ACT OF 1939 (THE  "ACT") AND 17
     C.F.R. 229.10(D).

     1.     A copy of the  Organization  Certificate  of The Bank of New York
            (formerly Irving Trust Company) as now in effect,  which contains
            the  authority  to  commence  business  and a grant of  powers to
            exercise corporate trust powers. (Exhibit 1 to Amendment No. 1 to
            Form T-1 filed with Registration Statement No. 33-6215,  Exhibits
            1a and 1b to Form  T-1  filed  with  Registration  Statement  No.
            33-21672  and  Exhibit  1 to Form  T-1  filed  with  Registration
            Statement No. 33-29637.)

     4.     A copy of the existing By-laws of the Trustee. (Exhibit 4 to
            Form T-1 filed with Registration Statement No. 33-31019.)

     6.     The consent of the Trustee required by Section 321(b) of the Act.
            (Exhibit 6 to Form T-1 filed with Registration Statement
            No. 33-44051.)

     7.     A copy of the latest report of condition of the Trustee published
            pursuant to law or to the requirements of its supervising or
            examining authority.


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                                    SIGNATURE





        Pursuant to the  requirements  of the Act, the Trustee,  The Bank of New
York, a corporation  organized  and existing  under the laws of the State of New
York,  has duly caused this  statement of eligibility to be signed on its behalf
by the undersigned,  thereunto duly authorized, all in The City of New York, and
State of New York, on the 20th day of November, 2001.


                                   THE BANK OF NEW YORK



                                   By:       /s/  STACEY POINDEXTER
                                       ------------------------------------
                                       Name:    STACEY POINDEXTER
                                       Title:   ASSISTANT TREASURER






                                                                   EXHIBIT 25(d)
                                                                       EXHIBIT 7



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                       Consolidated Report of Condition of

                              THE BANK OF NEW YORK

                    of One Wall Street, New York, N.Y. 10286
                     And Foreign and Domestic Subsidiaries,
a member of the Federal Reserve System, at the close of business March 31, 2001,
published in accordance with a call made by the Federal Reserve Bank of this
District pursuant to the provisions of the Federal Reserve Act.



                                                                                              Dollar Amounts
ASSETS                                                                                          In Thousands
                                                                                           
Cash and balances due from depository
   institutions:
   Noninterest-bearing balances and currency
     and coin.............................................                                        $2,811,275
   Interest-bearing balances..............................                                         3,133,222
Securities:
   Held-to-maturity securities............................                                           147,185
   Available-for-sale securities..........................                                         5,403,923
Federal funds sold and Securities purchased
   under agreements to resell.............................                                         3,378,526
Loans and lease financing receivables:
   Loans and leases held for sale.........................                                            74,702
   Loans and leases, net of unearned
     income...............37,471,621
   LESS: Allowance for loan and
     lease losses............599,061
   Loans and leases, net of unearned
     income and allowance.................................                                        36,872,560
Trading Assets............................................                                        11,757,036
Premises and fixed assets (including
   capitalized leases)....................................                                           768,795
Other real estate owned...................................                                             1,078
Investments in unconsolidated subsidiaries
   and associated companies...............................                                           193,126
Customers' liability to this bank on
   acceptances outstanding................................                                           592,118
Intangible assets.........................................
   Goodwill...............................................                                         1,300,295
   Other intangible assets................................                                           122,143
Other assets..............................................                                         3,676,375
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Total assets...........................................                                          $70,232,359
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LIABILITIES
Deposits:
   In domestic offices.................................                                          $25,962,242
   Noninterest-bearing.......................10,586,346
   Interest-bearing..........................15,395,896
   In foreign offices, Edge and Agreement
     subsidiaries, and IBFs............................                                           24,862,377
   Noninterest-bearing..........................373,085
   Interest-bearing..........................24,489,292
Federal funds purchased and securities sold under
   agreements to repurchase............................                                            1,446,874
Trading liabilities....................................                                            2,373,361
Other borrowed money:
   (includes mortgage indebtedness and obligations
   under capitalized leases).......                                                                1,381,512
Bank's liability on acceptances executed and
   outstanding.........................................                                              592,804
Subordinated notes and debentures......................                                            1,646,000
Other liabilities......................................                                            5,373,065
Total liabilities......................................                                          $63,658,235
EQUITY CAPITAL
Common stock...........................................                                            1,135,284
Surplus................................................                                            1,008,773
Retained earnings......................................                                            4,426,033
Accumulated other comprehensive income.................                                                4,034
Other equity capital components........................                                                    0
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Total equity capital...................................                                            6,574,124
                                                                                                 -----------
Total liabilities and equity capital...................                                          $70,232,359
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         I, Thomas J. Mastro, Senior Vice President and Comptroller of the
above-named bank do hereby declare that this Report of Condition has been
prepared in conformance with the instructions issued by the Board of Governors
of the Federal Reserve System and is true to the best of my knowledge and
belief.

                                                               Thomas J. Mastro,
                                           Senior Vice President and Comptroller

         We, the undersigned directors, attest to the correctness of this Report
of Condition and declare that it has been examined by us and to the best of our
knowledge and belief has been




prepared in conformance with the instructions issued by the Board of Governors
of the Federal Reserve System and is true and correct.

                     ----
Thomas A. Renyi          |
Gerald L. Hassell        |
Alan R. Griffith         |                  Directors
                     ----

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