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 studentA student who is enrolled in an undergraduate course of study at a college/university or career school that usually doesn't exceed four years and that leads to an undergraduate degree or certificate. 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<b>A student who:</b> <br/>(1) Is not an undergraduate student;<br/> (2) Is enrolled in a program or course above the bachelors degree level or is enrolled in a program leading to a professional degree; and<br/>(3) Has completed the equivalent of at least three years of full-time study either before entering the program or as part of the program itself. 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:

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

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 July 1, 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:

    1. Understand Your Loans
    2. Plan to Repay
    3. Avoid Default
    4. 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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