Exit Counseling Information
To be in compliance with Federal Regulations, exit loan counseling is a mandatory requirement for any student borrower who graduates, goes below half-time enrollment, takes a leave of absence or withdraws from the university on all loans received from the Department of Education and Health and Human Services. This includes the Federal Direct Unsubsidized Loan, Federal Direct Grad PLUS Loan, Federal Perkins Loan, Primary Care Loan (PCL), Loans for Disadvantage Students (LDS), Health Professions Student Loans (HPSL) and Nursing Loans.
For students needing to complete exit counseling for the Federal Direct and the Direct Grad PLUS loan’s, please go to: https://you.westernu.edu
Perkins, PCL, LDS, HPSL and Nursing loans Exit Counseling Information
If during anytime while attending Western University of Health Sciences you received a Perkins, Primary Care Loan, Loans for Disadvantage Students or Nursing loans you will need to complete exit counseling for each of the loan types. Western University of Health Sciences uses, Educational Computer Systems, Inc. (ECSI) as the servicer on your Perkins, PCL, LDS, HPSL and Nursing loans. ECSI will contact you directly through your WesternU e-mail address for instructions to complete you exit(s) on-line.
Accessing Your Loan History
To access your Federal Direct loan or Federal Perkins loan history, you may go to
NSLDS Student Access, the National Student Loan Data Service. In order to access your information you will need to enter your Social Security number, birth date, the first two letters of your last name and your FAFSA PIN number. If you do not know your FAFSA PIN number then follow the instructions under PIN Registration or you can go to fsaid.ed.gov/. By accessing NSLDS you will be able to view your loan amounts, outstanding principle, outstanding interest, lender and servicer information including addresses, phone numbers and web sites.
Students may view their WesternU loan history by accessing via their WesternU financial aid award letter.
Repaying Your Student Loans
Your education is a major investment in yourself. Pursuing your degree at WesternU has taken both time and money. Beginning repayment of your student loans can often seem like a confusing and complex process. Successful repayment requires that you understand the basics of your loans and the repayment options available to you. Please visit our “Repaying Your Student Loans” page for a step-by-step simple guide in helping you with some of the first steps to take when repaying your student loans.
Loans for Disadvantage Students, Perkins, Health Professions Student Loan and the Primary Care Loan – Rights and Responsibilities
- Loans for Disadvantaged Students (LDS)
- Perkins Loan Borrowers
- Primary Care Loan (PCL) Borrowers
- Health Professions Student Loan (HPSL)
Federal Direct Loan Program – Rights and Responsibilities
You have the right to:
- written information about your loan obligation, information on loan consolidation and refinancing, and a list of your rights and responsibilities as a borrower.
- a copy of your promissory note, and return of the note when your loan is paid in full.
- information, before you begin repayment, on interest rates, fees you might be charged and how they are collected, and the total balance owed on your loans.
- a loan repayment schedule that lets you know, before you begin repayment, when your first payment is due, the number and frequency of payments, and the amount of each payment.
- an explanation of default and its consequences.
- an explanation of the grace period, and of federal interest benefits, if you qualify for those benefits.
- pre-pay your loan at any time without penalty.
- a description of applicable deferment, forbearance and discharge provisions.
- repay the loan according to the loan repayment schedule even if you don’t receive a bill or repayment notice.
- notify the Direct Loan Servicing Center in advance if you will be late in making a payment or if you are unable to make payments.
- notify the Direct Loan Servicing Center of anything that affects your ability to repay, or your eligibility for a deferment, forbearance or cancellation.
- notify the College, if you are still enrolled, or the Direct Loan Servicing Center of any change in your name, address, Social Security Number or any change in your employer’s name or address.
- notify the Direct Loan Servicing Center if you fail to enroll for the period covered by the loan, or if you graduate, withdraw from school, begin attending less than half-time, or transfer to another school.
- receive online or in-person entrance counseling before you are given your first loan disbursement and exit counseling before you leave school.
Use the loan calculator at the finaid.org site to compute and estimate the size of your monthly loan payment and annual salary required to manage the payment.
Contacting the Ombudsman | Federal Student Aid of the Department of Education helps resolve disputes and solve other problems with federal student loans. This site also provides tools and checklists as well as other resources to help you resolve your problem.