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What to Expect

Collapse Section Button. Press enter twice to open this section. Entrance Counseling (Required)

If you have not previously received a Direct Loan or Federal Family Education Loan (FFEL), the Federal Government requires you to complete entrance counseling to ensure that you understand the responsibilities and obligations you are assuming.

If you are completing entrance counseling to borrow a loan as an undergraduate student, then the entrance counseling will fulfill counseling requirements for Direct Subsidized Loans and Direct Unsubsidized Loans.

If you are completing entrance counseling to borrow a loan as a graduate or professional student, the entrance counseling will fulfill counseling requirements for Direct Subsidized Loans, Direct Unsubsidized Loans, and Direct PLUS Loans.

Entrance counseling will take you approximately 30 minutes to complete.

Topics include:

  1. Understand Your Loans
  2. Manage Your Spending
  3. Plan To Repay
  4. Avoid Default
  5. Make Finances A Priority

Your school may have alternate entrance counseling requirements. Check with your school's financial aid office to be sure that the counseling available on this Web site satisfies its requirements for entrance counseling.

Expand Section Button. Press enter twice to access the content in this section. Financial Awareness Counseling

Financial Awareness Counseling provides tools and information to help you understand your financial aid and assist you in managing your finances.

Financial Awareness Counseling will take approximately 20-30 minutes to complete.

Topics include:

  • Understand Your Loans
  • Manage Your Spending
  • Plan to Repay
  • Avoid Default
  • Make Finances a Priority

Expand Section Button. Press enter twice to access the content in this section. PLUS Counseling

Required if the U.S. Department of Education has informed you that you have an adverse credit history and you have obtained an endoser or documented to the satisfaction of the U.S. Department of Education that there are extenuating circumstances related to your adverse credit history.

PLUS Counseling will help students and parents understand the obligations associated with borrowing a PLUS loan and assist them in making careful decisions about taking on student loan debt.

PLUS Counseling is required if the U.S. Department of Education has informed you that you have an adverse credit history and you have:

PLUS Counseling can be completed voluntarily at any time.

  • If PLUS Counseling is completed voluntarily and you are determined to have an adverse credit history by the U.S. Department of Education within 30 days of PLUS Counseling completion, your PLUS Counseling requirement will be considered to be fulfilled.

PLUS Counseling will take approximately 15 - 20 minutes to complete.

Expand Section Button. Press enter twice to access the content in this section. Exit Counseling (Required)

Exit counseling provides important information you need to prepare to repay your federal student loan(s).

If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, you must complete exit counseling each time you:

  • Drop below half-time enrollment
  • Graduate
  • Leave School

    Note: The FFEL Program ended June 30, 2010 and no new loans have been made under the FFEL Program after that date.

    Exit Counseling will take approximately 20-30 minutes to complete.

    Topics include:

    • Understand Your Loans
    • Plan to Repay
    • Avoid Default
    • Make Finances a Priority

    At the end of the exit counseling session, you will be asked for information that will be included as part of your loan records. You must provide the following:

    • Names, addresses, e-mail addresses and phone numbers for:
      • Your next of kin
      • Two references who live in the U.S.
      • Your future employer (if known)

    Your school may have alternate exit counseling requirements. Check with your school's financial aid office to be sure that the exit counseling available on this Web site satisfies its requirements for exit counseling.

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