Exit Information

Are you graduating? Withdrawing? Enrolled for less than 6 credits this semester? If you borrowed Federal Student Loans (Subsidized, Unsubsidized, Graduate PLUS, Perkins) or received a federal TEACH grant while attending college, please see below regarding your next steps.

Federal Loan Exit Counseling

Students that have received a Federal Direct Subsidized, Unsubsidized, or Graduate PLUS Loan are required to complete loan exit counseling each time they drop below half-time enrollment, graduate, or leave school. Exit counseling provides important information to help students prepare to repay their federal student loans. Exit Counseling is completed at .

Federal Subsidized, Unsubsidized, and/or Graduate PLUS Loan Borrowers

  • Complete loan exit counseling on the .
  • JAVĿ¼ will automatically receive notification when you have completed this requirement.

Federal Perkins Loan Borrowers

  • You will be contacted by Heartland ECSI to complete exit counseling.
  • You can access your loan information on the .

Federal TEACH Grant Recipients

  • Complete TEACH Grant exit counseling on the .

Additional Information

  • Visit Manage Loans at  to view your federal loan history.
    • Undergraduate students borrow an average of $24,980 at JAVĿ¼. The average monthly payment is $256.
    • Master's students borrow an average of $25,300 at JAVĿ¼. The average monthly payment is $291.
    • Doctoral students borrow an average of $82,196 at JAVĿ¼. The average monthly payment is $570.
  • Use on the StudentAid.gov website.
  • Watch for loan repayment information from your loan servicer. The loan servicer's information is available by signing in at . You can reach out to the loan servicer for questions, concerns, and setting up your payment plan.
  • Review information on federal loan repayment options, loan consolidation, deferment, and forbearance. New York State provides up to 24 months of federal student loan debt relief to NYS residents through the .
  • If you ever have a problem and have made a reasonable effort to resolve it through normal processes and have not been successful, view the from the StudentAid.gov website. 
  • Visit  from Inceptia for some great tips for success after graduation.