The goal of entrance counseling is to help you understand what it means to take out a federal student loan.
During entrance counseling, you will learn about the following:
- What a Direct Loan is and how the loan process works
- Managing your education expenses
- Other financial resources to consider to help pay for your education
- Your rights and responsibilities as a borrower
Try This Resource
Entrance Counseling Guide for Direct Loan Borrowers—Provides an overview of the Direct Loan Program. Includes information about the types of Direct Loans available, the costs of borrowing, eligibility, and repayment.
All students taking out Direct Subsidized Loans or Direct Unsubsidized Loans: If you have not previously received a subsidized or unsubsidized loan under the Direct Loan Program or a subsidized or unsubsidized Stafford Loan under the Federal Family Education Loan (FFEL) Program, you’ll be required to complete entrance counseling.
Graduate students taking out Direct PLUS Loans: If you have not previously received a PLUS loan under the Direct Loan Program or the FFEL Program, you’ll be required to complete entrance counseling—even if you previously completed it for a subsidized or unsubsidized loan.
You must complete entrance counseling before your school can make the first disbursement of your loan.
Your school will tell you how to complete your entrance counseling. Your school may require in-person counseling, or you may be able to complete the counseling online. (The school will provide the URL for your counseling if it’s available online.) If your school tells you to use StudentLoans.gov to complete entrance counseling, you should expect it to take you about 30 minutes.