Office of Scholarships and Financial Aid
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Exit Counseling

We recommend these exit counseling tools to all students who have borrowed loans and are now planning to graduate, leave school or drop below half-time.

Depending on the type(s) of loans you have, you may be required to complete TWO exit counseling sessions: one for Federal Stafford Loan(s) and one for your Perkins/Nursing Loan(s). Listed below is more information regarding these two types of exit counseling sessions and loan consolidation information.

Repayment Options

Depending on your financial circumstances during repayment, you may want to consider different repayment options. Currently, there are four repayment options with the Income Based Repayment (IBR) being available effective July 1, 2009. Use the Loan-repayment calculator to compare your repayment options.

Stafford Loan and Federal Direct Loan Exit Counseling

If you have a Federal Stafford Subsidized, Unsubsidized loan, Graduate PLUS, Federal Direct Subsidized, Unsubsidized or Federal Direct Grad PLUS you must complete the loan exit counseling session online at the US. Department of Education’s NSLDS website.  The NSLDS website may require you to enter your SSN and /or Federal PIN. You do not need to notify OSFA when you have completed the loan exit counseling session.

Perkins/Nursing Loan Exit Counseling

If you have a Perkins, Health Professions, Nursing, Loans for the Deaf and Blind, MANN, ASUA, ARMA, or Dougherty Loan you are required to complete another loan exit counseling session. More information is on the Bursar's Web page. If you have one of these loans, and do not complete the exit counseling session, your student account will be put on hold until the exit interview is completed and received by Bursar's Accounts Receivable. You will not be able to register, receive transcripts, grades, or a diploma.

Loan Forgiveness

For information on loan forgiveness, you should review the web page of your prior federal student loan lender or the Department of Education. Some potential employers may also have loan forgiveness programs, be sure to add this item to the list of benefits you're considering when accepting employment.

Teacher Loan Forgiveness

The Teacher Loan Forgiveness Program is intended to encourage students to enter and continue in the teaching profession. See the US Department of Education for more information.

Loan Consolidation Questions?

You may want to consider consolidating your loans. For more information, we suggest you visit the following pages:

Loan consolidation tips ( U.S. Department of Education) 

Loan Locator

If you don't know who services or holds your loans, use the free Loan Locator service of the Student Access Web site of the National Student Loan Data System.

Exit Counseling Guide

This US Department of Education guide will help you understand your rights and responsibilities as a student loan borrower.

  • Office of Scholarships and Financial Aid, P.O. Box 210066, Tucson, AZ 85721
  • Phone: 520.621.1858
  • Fax: 520.621.9473