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Once you graduate, drop below half time (less than 3 credits per semester beginning in 2013-2014), or otherwise leave Bethel, you'll need to prepare for repaying your federal loans.

  1. Complete exit counseling.

    If you've received federal loans, you must complete exit counseling to go over your rights and responsibilities.

  2. Consider loan consolidation.

    Consolidating loans could help you manage your finances with fewer monthly payments and a fixed interest rate. Learn more about the pros and cons of consolidating your federal loans. You may also wish to explore consolidating your private loans.

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