{"id":4023,"date":"2017-03-29T16:06:59","date_gmt":"2017-03-29T21:06:59","guid":{"rendered":"https:\/\/uwm.edu\/finances\/finances\/graduation-and-repayment\/"},"modified":"2026-04-29T14:06:18","modified_gmt":"2026-04-29T19:06:18","slug":"graduation-and-repayment","status":"publish","type":"page","link":"https:\/\/uwm.edu\/finances\/finances\/graduation-and-repayment\/","title":{"rendered":"Graduation and Repayment"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-federal-direct-loan-entrance-counseling\">Federal Direct Loan Entrance Counseling<\/h2>\n\n\n\n<p>Entrance Counseling provides important information regarding borrowers&#8217; rights and responsibilities assumed when borrowing. You must complete Entrance Counseling before any Direct Loan funds can be disbursed if you are a:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>First time borrower of federal direct loans<\/li>\n\n\n\n<li>Graduate student borrowing a Graduate PLUS Loan<\/li>\n\n\n\n<li>Transfer student, in some instances<\/li>\n<\/ul>\n\n\n\n<p>By selecting the link <a href=\"https:\/\/studentaid.gov\/entrance-counseling\/\" target=\"_blank\" rel=\"noreferrer noopener\">Entrance Counseling<\/a> you will be directed to the federal student loan website.&nbsp; Log in using your FSA ID and use the \u201cLoans and Grants\u201d dropdown menu to select \u201c Loan Entrance Counseling\u201d, then select either undergraduate student or graduate\/professional student.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-federal-direct-loan-exit-nbsp-counseling\">Federal Direct Loan Exit&nbsp;Counseling<\/h2>\n\n\n\n<p>Exit counseling provides an opportunity for the borrower to review their rights and responsibilities and provide their Loan Servicer(s) with current contact information. This helps borrowers make wise decisions with regard to repayment of their loans. Exit counseling is required by the federal government for borrowers of federal student loans when a borrower:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Graduates<\/li>\n\n\n\n<li>Withdraws, even if you plan to transfer<\/li>\n\n\n\n<li>Drops below half-time status (6 credits as an undergraduate or 4 credits as a graduate)<\/li>\n<\/ul>\n\n\n\n<p>You can see your borrowing history by logging into the <a href=\"https:\/\/studentaid.gov\/\" target=\"_blank\" rel=\"noreferrer noopener\">U.S. Department of Education&#8217;s website<\/a>, which is the central database for federal student aid.&nbsp; <\/p>\n\n\n\n<p>Follow this link to log in and complete your <a href=\"https:\/\/studentaid.gov\/exit-counseling\/\" target=\"_blank\" rel=\"noreferrer noopener\">Direct Loan Exit Counseling<\/a>. Exit counseling discussed here covers Subsidized Loans, Unsubsidized Loans, and PLUS Loans (for graduate\/professional students) for both the Federal Family Education Loan (FFEL) Program and the William D. Ford Direct Loan Program.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-plus-credit-counseling\">PLUS Credit Counseling<\/h2>\n\n\n\n<p>A borrower is required to complete PLUS Counseling if an endorser is needed or an appeal has been granted by the U.S. Department of Education. PLUS Loan counseling is separate from Graduate PLUS Loan counseling that all first-time graduate and professional student PLUS borrowers must complete. Find <a href=\"https:\/\/studentaid.gov\/app\/counselingInstructions.action?counselingType=plus\" target=\"_blank\" rel=\"noreferrer noopener\">PLUS Counseling<\/a> here, then:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Log in using the borrower FSA ID<\/li>\n\n\n\n<li>Scroll to \u201cLoans and Grants\u201d<\/li>\n\n\n\n<li>Choose \u201cPLUS Credit Counseling\u201d<\/li>\n<\/ul>\n\n\n\n<p>Select either parent of an eligible dependent undergraduate student or graduate\/professional student.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Federal Direct Loan Entrance Counseling Entrance Counseling provides important information regarding borrowers&#8217; rights and responsibilities assumed when borrowing. You must complete Entrance Counseling before any Direct Loan funds can be disbursed if you are a: By selecting the link Entrance &hellip;<\/p>\n","protected":false},"author":40,"featured_media":0,"parent":4017,"menu_order":20,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","uwm_wg_additional_authors":[3041,19586,34594,37275,33688,32411]},"class_list":["post-4023","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Student Financial Services<\/title>\n<meta name=\"description\" content=\"Learn about UWM loan repayment after graduation, including timelines, requirements, and steps to manage your student loan obligations.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/uwm.edu\/finances\/finances\/graduation-and-repayment\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Graduation and Repayment\" \/>\n<meta property=\"og:description\" content=\"Learn about UWM loan repayment after graduation, including timelines, requirements, and steps to manage your student loan obligations.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/uwm.edu\/finances\/finances\/graduation-and-repayment\/\" \/>\n<meta property=\"og:site_name\" content=\"Student Financial Services\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-29T19:06:18+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/uwm.edu\\\/finances\\\/finances\\\/graduation-and-repayment\\\/\",\"url\":\"https:\\\/\\\/uwm.edu\\\/finances\\\/finances\\\/graduation-and-repayment\\\/\",\"name\":\"Graduation and Repayment - 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