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Direct Loan Counseling

Federal Direct Loan Entrance Counseling

Students who accept federal Direct Subsidized Loans, Direct Unsubsidized Loans, or Direct Graduate PLUS Loans may be required to complete federal Loan Entrance Counseling. Entrance Counseling teaches borrowers about Direct Loans, how the process works, how to manage educational expenses, other financial resources to consider to help pay for education and borrower rights and responsibilities.


Students may complete Entrance Counseling for their federal Direct loans at any time by visiting


The federal government's guide to Entrance Counseling may be found at

Federal Direct Loan Exit Counseling

If students have federal Direct loans at any time while at UNF, federal Direct Loan Exit Counseling must be completed for each term in which the student completely withdraws, unofficially withdraws, drops enrollment to less than six credit hours or graduates. Federal Exit Counseling is the process by which students review and acknowledge their rights and responsibilities for all of the federal student loans that they have borrowed. Federal Exit Counseling is mandatory. Failure to complete the requirement will prevent disbursement of future term financial aid and places a hold on the student's account. This will prevent the student from receiving transcripts and their diploma. 

Federal Direct PLUS Loan Credit Counseling

PLUS Credit Counseling is required if the U.S. Department of Education determines that the borrower has an adverse credit history and they have:

  • obtained an endorser (co-borrower) or 
  • documented extenuating circumstances to the satisfaction of the U.S. Department of Education.


Students may access information about their federal student loans at any time by visiting or