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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 are 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
  • Borrower rights and responsibilities

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

Federal Direct Loan Exit Counseling

If you have received a subsidized, unsubsidized, or PLUS loan under the Direct Loan Program or the FFEL Program, it is mandatory to complete Loan Exit Counseling each time you:

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

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. Failure to complete the Loan Exit Counseling will:

  • Prevent future financial aid disbursements
  • Place a hold on the student's account
  • Prevent access to transcripts and/or diplomas

Students may complete Loan Exit Counseling for their federal Direct Loans at any time.

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.

Information about federal loans can be accessed at any time through the Federal Student Aid website.