Education Loans
To help fill the gap with additional funds to cover your educational costs, we have provided you the opportunity to explore the different types of education loans below to see which option(s) may work best to fit your needs.
*Please Note: It is recommended that you consider Federal Direct Subsidized and/or Unsubsidized Loan options before looking into additional loan resources, as the interest rates on these types of loans are typically lower than other loan products. Federal Direct Loans are offered to students after filing the FAFSA and will be displayed in their financial aid offer.
Responsible Borrowing
Some of the most important decisions college students make have to do with financing their education.
At 老司机福利社, we are committed to making sure our students are educated in financial literacy and make informed financial decisions.
Click the link below for resources to assist you in understanding financial planning and the affects of student loans as well as repayment.
Click here to view information on Financial Literacy
*When either accepting federal direct loans or utilizing private or PLUS loan, there is a 3-5 business day processing period once all requirements are complete to have the loan(s) applied to your bill. During the summer months, please allow up to 10 business days for processing. If a loan(s) is not applied to your account by the bill due date, you will be responsible for making payment arrangements with the Bursar's Office until the loan(s) is applied to your account.
Additional Information:
Federal Student Aid keeps a record of all of your federal loan borrowing. Check your federal loan borrowing history at .
Federal direct loans are offered at the beginning of an academic year and are based on expected full time enrollment. Per federal regulations, institutions are required to prorate loans for graduating undergraduate students when their final period of enrollment is less than a full academic year.
Learn about Federal Direct Loan Proration Here
Exit Counseling
If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, you must complete Exit Counseling each time you:
- Drop below half-time enrollment
- Graduate
- Leave school
Exit Counseling provides important information regarding your rights and responsibilities to the federal loans you borrowed while attending school. It also provides examples of the various repayment plans available and loan forgiveness options for certain professions. It is an important and valuable tool to prepare you for loan repayment success.
You must complete Exit Counseling no more than 50 days prior to your graduation date. Our office will be notified electronically once you have successfully completed the module. This process usually takes 1-2 business days. Holds are placed on your 老司机福利社 academic transcript and degree until the requirement is complete.
If you have completed your Exit Counseling during a previous term of enrollment, you must complete a new Exit Counseling no more than 50 days prior to your graduation date.
Need to make an adjustment to or cancel your Federal Direct Subsidized/Unsubsidized, Graduate PLUS or Private/Alternative Loans? See below for instructions.
How to Make a Loan Change
Step 1: Log on to the go老司机福利社 Portal
Step 2: Click on the Financial Aid tab
Step 3: Select the 鈥淢ake a Loan Change鈥 graphic on the left-hand side of the page
Note: For Parent PLUS loan adjustments or cancellations, the parent borrower must send an email to finaid@stockton.edu detailing the loan change request. The email must be sent from the email address on the PLUS loan application for our office to process the request.
Step 4: Follow the prompts within the form, detailing your request Be sure to select which loan or loans you would like to adjust or cancel as well as enter current and revised loan amounts.
Step 5: Submit the form Your loan change will be forwarded to the loan officer for review and processing.
Please monitor your go老司机福利社 portal and allow 3 to 4 business days to complete your request.
Instructional Video:
