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Exit Counseling

Exit counseling is required for loan borrowers who are:

  • dropping below half-time enrollment
  • graduating
  • transferring to another institution
  • sitting out for a term
  • beginning a leave of absence
  • stopping out of college

Students are notified via their student MIX email and/or letter to their permanent address on STAR.

Please note if you have a Federal Perkins Loan or institutional loans, you must complete another exit counseling process in addition to federal exit counseling.  You will receive a separate communication from Heartland/ECSI regarding how to complete this second exit counseling.

Where do you complete exit counseling?

Exit counseling can be conveniently completed online at under the "Complete Counseling" section.

How long will it take?

The entire process must be completed in a single session.  Most people complete it in 20-30 minutes.

Why is exit counseling important?

You are required to complete exit counseling if you are a loan borrower who drops below half-time or ceases enrollment.  Exit counseling teaches you important information regarding your rights and repayment options - including what to do if you have difficulty with repayment.  It also provides the information for your loan servicer.

You’re not alone when it comes to student loans. West Virginia University has partnered with Inceptia, a division of National Student Loan Program (NSLP), to provide you with FREE assistance on your Federal student loan obligations to ensure successful, and comfortable, loan repayment. Inceptia’s friendly customer representatives may reach out to you during your grace period to answer questions you have about your loan obligation and/or repayment options. They may also contact you if your loan(s) become delinquent. Inceptia is not a collection agency. We’ve partnered with them to help you explore a wide variety of possibilities such as alternative repayment plans, deferment, consolidation, discharge, forgiveness, and forbearance options. Inceptia will stay in touch with you via phone calls, letters, and/or emails to help you find answers to your questions and solutions to your issues.

For additional resources including information on repayment options, please visit Inceptia’s Federal Student Loan Overview website at