Student walking outside the Sally

Entrance Counseling

Why is Entrance Counseling important?

Entrance counseling ensures you understand the terms and conditions of your loan and your rights and responsibilities. You'll learn what a loan is, how interest works, your options for repayment, and how to avoid delinquency and default.

How to complete Entrance Counseling

Completing your Entrance Counseling is easy!

  1. Log into
    1. Log in using your FSA ID (the same ID you used for your FAFSA).
  2. Go to the Entrance Counseling Section
    1. Once logged in, navigate to the Loans and Grants tab.
    2. Click on Loan Entrance Counseling under the Loans section.
  3. Select Moravian as your school and then select your student type
    1. You'll need to select É«½äÖ±²¥ as the school you're attending.
    2. Choose the student type. Either Undergraduate Student or Graduate Student.
  4. Follow the prompts to complete the counseling, which includes:
    1. Information about borrowing responsibilities, repayment, interest rates, and budgeting.
    2. Interactive tools to understand how borrowing may affect your future financial situation.
    3. It generally takes about 20-30 minutes to complete.
  5. Submit and Confirm
    1. After you’ve completed the counseling, Moravian will receive the notification in 1 or 2 days.
    2. You’ll receive a confirmation email, and the counseling will be linked to your student account.

Leaving Moravian?

Exit Counseling & Financial Readiness

Leaving Moravian is an milestone, and as you prepare for life after É«½äÖ±²¥, it’s important to ensure that you have a solid plan for managing your student loans and personal finances. Exit counseling is a crucial step in understanding your loan repayment obligations, budgeting for post-college life, and making informed financial decisions.

Complete Your  Exit Counseling—Yes, it is required!

If you borrowed federal student loans (Subsidized, Unsubsidized, or PLUS Loans), you are required to complete exit counseling before leaving Moravian. This process ensures that you understand your repayment options and borrower responsibilities.

How to Complete Exit Counseling in four easy steps:

  • Go to and log in with your FSA ID.
  • Select "Complete Exit Counseling" under the Loan Repayment section.
  • Review your loan details, repayment plans, and next steps.
  • Completion is automatically reported to É«½äÖ±²¥â€™s Financial Aid Office.

Understand Your Student Loans & Repayment

Before you begin repayment, take time to review:

  • Your Total Loan Balance: Log in to to check your loan amount and lender details.
  • Repayment Plans: Choose from standard, graduated, income-driven, and other plans to fit your financial situation.
  • Grace Period: Most federal student loans have a six-month grace period before payments begin.
  • Loan Forgiveness & Discharge: Learn about (PSLF) and other relief options.
  • Deferment & Forbearance: If you anticipate financial difficulty, explore .

Pro Tip: Use the to estimate your future payments based on your chosen plan.

Deferring Your Payments Due to Continuing Your Education

If you are continuing your education and would like to defer your payments, check out the options for your loans.

If you plan on re-enrolling on at least a half-time basis, the institution you’re attending can provide you with enrollment verification that you can provide to your loan servicer.

Understanding Loan Forgiveness Possibilities

Teachers, nurses, and others in public service might be eligible for loan forgiveness after years of service in some situations.

Some helpful sites:

Keep in Touch

Don't ignore your servicers! Be sure to read the email and mail they send you, answer their calls, and respond when necessary. If you move or change your contact information, let your servicer(s) know immediately so they can get in touch with you. Borrowers who fail to notify their lender or servicer of these changes may incur additional charges for missed or late payments and risk severe penalties for student loan default.

Build Your Post-Moravian Budget

As you transition from student life to the workforce or graduate school, having a financial plan is key. Here are tools to help:

Budgeting & Financial Literacy Tools

  • : Free tool to track spending, set savings goals, and monitor credit scores
  • : Guides on budgeting, credit, and saving for the future
  • : Helps you allocate every dollar and plan for expenses
  • : Federal resource for financial literacy and smart money management

Estimating Your Future Earnings

  • : Look up expected salaries based on your degree and field
  • : Compare salaries based on location, experience, and education
  • : National data on entry-level salaries for new graduates

Watch Out for Scams

Be careful. There are businesses that try to scam students who have student loans by charging you for services you can pretty easily do on your own for free—such as selecting a repayment option to lower your payments. Also, be suspicious of any company that claims they can eliminate your debt for a fee.