Continuing your education is a major investment for your future. If you decide to make loans a part of this investment, managing the debt you incur is a major responsibility. To ensure that you understand this responsibility and the obligation you are assuming, the federal government requires you to participate in loan counseling.

Entrance Counseling - Manage your educational expenses…

If you are an undergraduate or graduate/professional student and have not previously received a FFEL or Direct Loan program loan, you must complete Direct Loan Entrance Counseling before you can receive a Direct Loan.

If you are a graduate/professional student and have not previously received a PLUS loan through the FFEL or Direct Loan programs, you must complete Direct Loan Entrance Counseling before you can receive a Direct PLUS Loan.

If you are an undergraduate or graduate/professional student and have previously received any FFEL loan, you must complete Direct Loan Entrance Counseling before you can receive a Direct Loan.

You may complete Direct Loan Entrance Counseling electronically at studentloans.gov.
A Federal Student Aid PIN is required to complete online Direct Loan Entrance Counseling.

Exit Counseling - Understand your rights and responsibilities…

Prior to graduating or leaving college, borrowers are required to complete an exit counseling session. This online exit counseling session has been created to make sure that you understand your rights and responsibilities as a loan borrower.

You may complete Direct Loan Exit Counseling electronically at http://www.nslds.ed.gov/nslds_SA/. A Federal Student Aid PIN is required to complete online Direct Loan Exit Counseling.