Loan Counseling

Entrance and exit counseling

Failure to complete the appropriate counseling within 30 days of the student's acceptance of the loan (or at least 30 days prior to their last date of enrollment) may result in the cancellation of their loan(s).

Federal loan entrance counseling

For Federal Direct Subsidized loans, Federal Direct Unsubsidized loans and Grad PLUS:

  • Entrance counseling must be completed online.
  • First-time borrowers of a federal student loan must complete entrance counseling. Once the student passes the online quiz, Student Financial Aid will be notified electronically. If a student is enrolled and has not completed entrance counseling within at least 30 days after their loan(s) have been offered, their loan(s) may be canceled.

Exit counseling

  • Exit counseling must be completed online. 
  • Loan exit counseling is required for students who have petitioned to graduate (or whose enrollment has dropped below half-time) and have been a recipient of federal student loans. Repayment of federal student loans begins six months after graduation, or six months after a student is no longer enrolled at least half-time. When exit counseling is required, you will be notified via your Western email that you have an outstanding requirement to complete. You can find out about your loan debt, repayment, deferment and forbearance options by visiting www.studentloans.gov and logging in to the National Student Loan Data System.