Federal Direct Loan Entrance Counseling

Entrance Counseling

The Federal Government requires that all first-time Federal Direct Loan borrowers complete an Entrance Counseling session before they receive any loan proceeds. This process helps you: 

  • Understand how federal loans work and their terms
  • Learn your rights and responsibilities as a borrower
  • Plan for repayment after graduation

Important: Entrance Counseling must be completed by the student, NOT the parent.

It is Federal Regulation that Entrance Counseling and the Loan Agreement (Master Promissory Note) must be completed so that the student understands the terms of their loan and repayment. Until these steps are completed, you will not receive any Federal Direct Loans.