Student loan exit counseling helps you prepare for repayment by explaining your loan details, payment timeline, and options if you need help later. Taking it seriously now can make the transition out of school much smoother and help you avoid costly mistakes.

Federal student loan consolidation can simplify repayment by combining multiple federal loans into one new Direct Consolidation Loan, but it may also affect your interest rate, repayment term, and eligibility for forgiveness programs. Learn when consolidation can help—and when it could cost you more in the long run.