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Exit Counseling

The Federal Direct Loan Program offers several repayment options to borrowers. 
You can find out more information about these repayment plans at 

Before you leave school or graduate, you are requested to complete Exit Counseling.  The purpose of Exit Counseling is to select a repayment plan; review deferment, forbearance, and cancellation provisions; review loan consolidation; and review the serious consequences of delinquency and default.  An email will be sent requesting that you complete this process once you apply for graduation.

The Exit Counseling requirement may be met online through the Direct Loan Website at  You must have Internet Explorer or Firefox browser installed on your computer to complete exit counseling online.  

It is important that you repay your student loans.  If you think you might have a problem making a scheduled payment on your student loans, you should contact your loan servicer.  The loan servicer will work with you to help avoid the adverse consequences of delinquency or default. The options to avoid default include changing repayment plans, receiving a deferment, or requesting a forbearance.

If you do not make a payment on time, then you are considered delinquent.  Default occurs when a Federal Direct Loan borrower becomes 270 days delinquent in making a loan payment.  There are numerous adverse consequences that will result if you default on your student loan.  These negative consequences include, but are not limited to, the following:

  • You will not be eligible for future federal financial aid.
  • Your account may be turned over to a collection agency.
  • Your credit rating will be damaged.
  • Your federal income tax refund may be withheld from you.
  • Your wages may be garnished.
  • Your car and other possessions may be repossessed.
  • The federal government can sue you.