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Adult Undergrad

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Entering Federal Loan Repayment

Once you graduate or drop below half time (fewer than 6 credits), you'll need to repay your federal loans.

  1. Complete exit counseling.

    If you've received federal loans, you must complete exit counseling on the StudentLoans.gov website.

  2. Consider federal loan consolidation.

    Consolidating federal loans could help you manage your finances with smaller monthly payments and a fixed interest rate. Learn more about the pros and cons of consolidating your federal loans.

For more information about repayment, visit the U.S. Department of Education's Direct Loan Program website:

Dropping below half-time status? See Bethel's policies for refunds of tuition and financial aid.