Before a first-time FFEL, or Federal Direct Loan borrower takes out a loan, they must complete entrance counseling. (Entrance counseling does not have to be conducted for parent PLUS borrowers.) The loan counseling includes: an explanation of the use of an MPN(Master Promissory Note); the importance of the repayment obligation; a description of the consequences of default; sample repayment schedules; borrower’s rights and responsibilities as well as other terms and conditions.

Loan (exit) counseling must also be provided before the borrower completes his or her course of study or otherwise leaves the school. Loan counseling will be completed with the Executive Director at your school close to the time you are scheduled to graduate.

Initial counseling must include:

ON-LINE ENTRANCE COUNSELING: - Before receiving a student loan, borrowers must complete an entrance counseling session. This quick and easy interactive counseling session provides useful tips and tools to help you develop a budget for managing your educational expenses and helps you to understand your loan responsibilities

DIRECT LOAN INTEREST RATES: - The U.S. Department of Education's National Student Loan Data System (NSLDS) allows you to access information on loan and/or federal grant amounts, your loan status (including outstanding balances), and disbursements made.

The U.S. Department of Education's NATIONAL STUDENT LOAN DATA SYSTEM allows you to access information on loan and/or federal grant amounts, your loan status (including outstanding balances), and disbursements made.

AMERICAN EDUCATION SERVICES (AES)  - Account access and comprehensive website to assist in managing your Federal Family Education Loan Program (FFELP) loan.