Managing Your Loans

Entrance Counseling

Schedule One on One Entrance Counseling - Mandatory

What is entrance counseling?

If you have not previously received a Direct Loan or Federal Family Education Loan (FFEL), the Federal Government requires you to complete entrance counseling to ensure that you understand the responsibilities and obligations you are assuming.

During entrance counseling, you will learn about the following:

  • What a Direct Loan is and how the loan process works
  • Managing your education expenses
  • Other financial resources to consider to help pay for your education
  • Your rights and responsibilities as a borrower

Financial Aid Counselors:

Gloria Dobbs (Health Professions)
Phyllis Faulkner (Pharmacy)
Jessica Howell (Nursing)
Debra Bolton (Medicine)
Janice Maddox (Dentistry & Graduate Health Science)

Repayment Timeline

Student Loan Repayment Graph

Loan Repayment Timeline

Most students have a period of time after leaving school before loan repayment starts. Review the helpful timeline for a general understanding

Estimate Monthly Payment

Payment Estimator for Medical Students

         Charts for Direct Unsubsidized and PLUS Loans display repayment plan options, monthly payments, and the total interest paid for each plan based on a range of debt amounts.

Federal Exit Counseling

Student Loans Gov LogoIf you have ACCEPTED Federal Student Loans, and applied the funds toward the cost of tuition, you are required to have loan exit counseling before you graduate. You can complete exit counseling online at An exit interview is a loan counseling session in which students are advised regarding their loan repayment schedule, obligations, and rights to deferment and/or cancellation. The university is required by the federal government to conduct an exit interview whenever a student is no longer enrolled as at least a half-time student.

  1. Students who have Unsubsidized/Subsidized Stafford Loans and Direct Graduate Plus Loans should complete their exit counseling through their Financial Aid Literacy Coordinator or at The National Student Loan Data System website.
  2. The National Student Loan Data System (NSLDS) is the U.S. Department of Education's central database for student aid. NSLDS receives data from schools, guaranty agencies, the Direct Loan program, and other Department of Education programs. NSLDS Student Access provides a centralized, integrated view of Title IV loans and grants so that recipients of Title IV Aid can access and inquire about their Title IV loans and/or grant data.
  3. Students who have specific questions after completing the online exit counseling and prefer to have a "face-to- face" exit counseling Q & A, should contact the UTHSC Financial Aid Literacy Coordinator directly to schedule an appointment at or 901-448-1601.

Perkins Exit Counseling

Loans made through the Federal Perkins Loan Program, often called Perkins Loans, are low-interest federal student loans for undergraduate and graduate students with exceptional financial need. Perkins Loans exit counseling is required by federal law before they graduate.

  1. Students who have Perkins loans may complete the Perkins exit counseling online at (ECSI) Educational Computer System, Inc. Perkins loans must be repaid to UTHSC. Each student must contact the Bursars Office at / or 901- 448-5550 to discuss repayment options.
  2. Students are notified by paper mail and email from Educational Computer System, Inc. regarding completing exit loan counseling. Once the students receive the notification, the student must follow the instructions listed. The exit is completed online with instructions that are very simple to follow. A student can make Perkins loan payments online with ECSI.
  3. Students will first have to login to their account and profile, using their school code, account number, and self-selected password/pin.
    1. Each institution that ECSI services are assigned a unique school code. Please check the communication you received from ECSI to verify the school code you should use. Generally, the school code contains two alphanumeric characters.
    2. Please do not use any punctuation in the Account Number. Generally, this is your Social Security Number. If your school uses a different number like a Student Identification Number ("SID") or Personal Identification Number ("PID"), you will need to enter that information. Please check the communication you received from ECSI to verify the account number you should use.
    3. Initially, ECSI assigns each account a PIN/Password. This PIN/Password will be your password until you log into your account and change it. Students who have specific questions after completing the online exit counseling, or who prefer to have a "face-to- face" exit-counseling interview, should contact the UTHSC Financial Aid Literacy Coordinator's Office directly to schedule an appointment.


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Legal Information

Financial Aid Literacy

Contact Us

Janice Maddox
Literacy Coordinator
One Stop Shop
910 Madison Avenue, Suite 105
Memphis, TN 38163
(901) 448-1601
Skype: janice.maddox3