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.

You must have a Department of Education PIN in order to complete loan counseling online. If you have forgotten your PIN or do not have one, go to www.pin.ed.gov to have your PIN sent to you.

Be sure that you indicate P& A Scholars as the school that you want to be notified about your results.

This online entrance counseling session will take about 20-30 minutes to complete. This is available at www.studentloans.gov


Understand your rights, responsibilities, and service obligations. Prior to graduating or leaving school, Direct Loan borrowers must complete exit counseling. The Direct Loan Exit Counseling will explain your rights and responsibilities as a Direct Loan borrower.
Each online exit counseling session will take about 30-40 minutes to complete

Use the following link www.nslds.ed.gov, where the emphasis is on being informed about your repayment obligations and selecting a repayment plan, debt management strategies and tax benefits. It also stresses the importance of developing a budget based on your minimum salary requirements.