Financial Aid Office
Types of Financial Aid

Loan Exit Counseling

Loan exit counseling assists you in understanding your loan repayment terms, options, and responsibilities. If you borrowed federal loans (Perkins, subsidized Stafford/Direct, or unsubsidized Stafford/Direct) or received a federal TEACH Grant while attending St. Cloud State University, federal regulations require that you complete loan exit counseling once you graduate, withdraw, or drop below a half-time (6 credits) enrollment level or in the case of the TEACH Grant once you leave school or are no longer eligible for the TEACH Grant. 

Federal Direct Loan exit counseling may be completed online at and takes approximately 25-30 minutes. For specific questions concerning your federal Direct Loan, please contact your loan servicer. You can find this information at the National Student Loan Data Service (NSLDS).

Perkins Loan exit interview must be completed once you are no longer enrolled at least 6 credits, you leave school, or graduate. You will receive notification from your Perkins Loan servicer, Heartland Campus Solutions/ECSI, with additional information about completing the online exit interview.

Federal TEACH Grant online exit counseling may be completed online at NSLDS Student Access and takes approximately 20 minutes. You will need your federal Personal Identification Number (PIN), the same PIN you used to sign your FAFSA.


Return to the Loans Overview Page

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