The Federal Government requires that all first time Federal Stafford Loan borrowers complete an entrance counseling session before they receive any loan proceeds. This session is designed to provide the borrower with important information about the Federal Stafford Loan program, including your rights and responsibilities as a borrower.

It is important that you complete this session as soon as possible. You may not use your loan as credit against your bill until this requirement is satisfied. Disbursement of your loan funds will not occur before you complete this session.

The majority of this session will be provided through a link to American Education Services'(AES), formerly PHEAA, web site. However, there are some Millersville University-specific issues of which you should be aware. These points are listed below.

Federal Stafford Loan borrowing levels are broadly defined on AES's web site by the student's year in school. At Millersville University, a student's year in school is specifically defined by the number of credits the student has earned at the time of loan processing. Borrowing levels are as follows:

In order to borrow funds each year, you must pass a certain number of NEW credits each academic year - this applies to all federal aid, regardless of receipt of federal aid. For more information on this policy, please see our website on Satisfactory Academic Progress (SAP).

Additional information regarding borrowing amounts will be provided when you move to AES's web site to complete your counseling session.

If you have any questions about this information or any of the information that is presented by AES, please contact the Millersville University's Office of Financial Aid at 717-872-3026.

Use the icon below to complete your Federal Stafford Loan Entrance Counseling Online.

At the end of the session, you will be asked to complete a Student Information Form. When you have successfully completed this form, you will see get a Confirmation page with a confirmation number. You may print this page for your records. At this point, AES will notify Millersville University's Office of Financial Aid of your successful completion of this required session. If the Student Information Form reappears after you attempt to submit it, information was not entered in a required field. This field will be highlighted in red. Please complete the information and resubmit the form by selecting the "finish" button.

The Federal Government requires that all Federal Stafford Loan borrowers who graduate or drop below half-time enrollment (6 credits per semester) complete an exit counseling session. This session is designed to provide borrowers with important information regarding rights and responsibilities as well as repayment information.

This session will be provided through a link to American Education Services’(AES, formerly PHEAA) web site. However, some specific issues are highlighted below.

• You should receive repayment information from your loan servicer approximately 3 months after you leave school. If you do not receive this information, it is your responsibility to contact your servicer before the end of your grace period to arrange for the repayment of your loan.
• It is important that you plan for the repayment of your loan. You will have the opportunity to estimate your monthly payment as you proceed through AES’s online session. If you don't know your outstanding Stafford Loan balance but know that your loan is serviced through American Education Services (AES) in Harrisburg, PA, you may create and access your account online through AES’s Account Access program. If you do not know the name of your loan servicer and/or guarantor, you may search using the National Student Loan Clearinghouse's Loan Locator.

Please continue only if you are GRADUATING or WITHDRAWING from Millersville University this semester or if your enrollment is changing to less than half time (less than 6 credits). If you are withdrawing, it may be beneficial for you to review our policy on withdrawing.

If you have any questions regarding your loan, please contact Millersville's Office of Financial Aid at 717-872-3026 or your lender/servicer.

At the end of the session, you will be asked to complete a Student Information Form. Please provide all required information.

BEFORE CONTINUING, gather the following information. You will need to enter it on the Student Information Form.

• your permanent address and phone number (If this is new information, you must also contact your lender/servicer to update your record. The information entered on this form will be used for tracking purposes only.
• your driver's license number
• the complete name, address, and phone number of your next of kin
• the complete name, addresses, and phone numbers of 2 other references

When you have entered the required information and it has been accepted, you will get a Confirmation page with a confirmation number. You may print this page for your records. At that point, you have successfully completed the session and your information has been sent to AES and to Millersville University’s Office of Financial Aid. If the Student Information Form reappears, information is missing and will be highlighted in red. Enter all missing information and click “finish” again.

Use the icon below to complete your Federal Stafford Loan Exit Counseling Online.