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:
    Complete exit counseling

  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.

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