Higher Ed Utah

The first time you borrow money from the federal government for the purpose of furthering your education, it is important for you to know what to anticipate from your student loan provider, and what is expected from you.  This information is neatly packaged in the form of Federal Student Loan “Entrance Counseling” and schools must ensure that you receive it.

It will be important for you to understand:

• When and why to borrow money
• Interest rates
• Your Master Promissory Note
• Student Loan Terminology

Prior to graduating, or when you drop below half-time enrollment, you will complete “Exit Counseling” which will provide information on:

• Managing your student loan repayment
• Your rights and responsibilities as a borrower
• Loan servicing
• Help with protecting your credit

Although some schools provide in-person loan counseling sessions, most schools favor the online process found at http://www.mappingyourfuture.org/OSLC/.

If you have questions regarding any of the information you receive, please contact UHEAA toll free at 1-877-336-7378 Monday through Thursday from 8 AM to 8 PM and on Fridays from 8 AM to 5 PM MT.  If you prefer to correspond by e-mail, please contact us at  uheaa@utahsbr.edu.