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Debt Management Tips - Loan Counseling

Loan counseling is a federal requirement for students who borrow under either the Direct Loan or Perkins loan programs. As a first-time borrower, you are required to complete an Entrance Counseling session prior to receiving the first disbursement of your loan proceeds.

Exit Counseling is required when you graduate or if you drop below half-time status. Students obligated to repay the loan even if they:

  • do not complete their degree program
  • cannot find employment after graduation
  • are not satisfied with their education and other services
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