Entrance/ Exit Counseling

Federal regulations require that any student receiving a federal student loan complete Entrance/ Exit Counseling as part of the process of educating student borrowers about federal student loans (interest rates, repayment options, terms and conditions of the loan, etc.) and their rights and responsibilities.

Student borrowers must complete Entrance Counseling before receiving a federal student loan. All first-time borrowers are subject to a mandatory thirty-day delay of their first disbursement of student loan funds. This also applies to returning students who have withdrawn from school. Direct Loan Entrance Counseling is conducted online at www.mappingyourfuture.org and in person. After starting classes, students are required to contact the Student Financial Services Office to schedule an appointment to meet with a financial aid representative.

Exit Counseling is also required. Prior to graduation or withdrawal from school, the student borrower must schedule an Exit Interview with the Student Financial Services Office. Online counseling is also conducted at www.mappingyourfuture.org. Information concerning the borrower's loan includes, but is not limited to: the terms and conditions of the loan, an example of or actual monthly payments, available repayment options, deferment and forbearance options, the consequences of default. Emphasis will be placed on the borrower's obligation to repay the full amount of the loan even if the borrower did not graduate, is unable to find employment, or is dissatisfied with the educational program or other services provided by the school. Repayment begins six months after borrowers leave school for any reason; even if they do not receive a bill or a coupon book, payments are due.


Other Counseling

Student borrowers are not required to complete other counseling; however, we highly recommend that you do so. You are responsible for repaying your student loan debt.

Financial Literacy Counseling

This counseling session will guide you on the path to financial success.

Non-Traditional Student Counseling

This counseling session provides a variety of topics about returning to school ranging from working while going to school, choosing a field of study, financial aid, getting assistance, and money management.

Loan Management Counseling

Loan management, financial literacy, and career planning information to assist student borrowers preparing for graduation are provided in this session.

Grace Period and Repayment Counseling

Whether your loans are in the “grace period” (payment will begin soon) or already in repayment, this session provides information about how to manage your student loan after college. This information can be especially beneficial if you are having difficulty repaying your loans.

All online counseling sessions can be found at http://mappingyourfuture.org/. Click “complete online counseling” from the menu at the left of the screen and select the counseling session you want to complete from the list on the left of the screen under” related links”.