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Entrance Counseling

Federal regulations require federal student loan borrowers to complete entrance counseling before borrowing. Entrance counseling provides information about borrowing, including information about interest rates and fees, deferments, grace period, repayments, and your rights and responsibilities, etc. Entrance counseling is in a quiz format; information is presented then questions must be answered. At the end of the session be sure to print your confirmation page for your records. You may also get an email from the U.S. Department of Education that your entrance counseling has been successfully completed and sent to OU. The link to Entrance Counseling is below.

If you have previously completed Entrance Counseling for Direct loans borrowed at another school, you must complete Entrance counseling again before you are eligible to receive Direct loans through the University of Oklahoma.

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Maximum eligibility period to receive Direct Subsidized Loans

Time Limitation on Direct Subsidized Loan Eligibility for First-Time Borrowers on or after July 1, 2013

There is a limit on the maximum period of time (measured in academic years) that you can receive Direct Subsidized Loans. In general, you may not receive Direct Subsidized Loans for more than 150% of the published length of your program. This is called your “maximum eligibility period”. You can usually find the published length of any program of study in your school’s catalog.

For example, if you are enrolled in a 4-year bachelor’s degree program, the maximum period for which you can receive Direct Subsidized Loans is 6 years (150% of 4 years = 6 years). If you are enrolled in a 2-year associate degree program, the maximum period for which you can receive Direct Subsidized Loans is 3 years (150% of 2 years = 3 years).

Your maximum eligibility period is based on the published length of your current program. This means that your maximum eligibility period can change if you change programs. Also, if you receive Direct Subsidized Loans for one program and then change to another program, the Direct Subsidized Loans you received for the earlier program will generally count against your new maximum eligibility period.

To complete Stafford Entrance counseling:

Log in to and you will see a message stating that you have already completed Entrance counseling, however, you have the option to select “continue” in order to proceed to the Entrance Counseling session.

Perkins borrowers, will receive notification to your OU e-mail with instructions on how to complete Perkins Entrance Counseling.

How do I know if I have to complete Entrance Counseling?

OU Financial Aid Services sends an email request for Missing Information to the student's OU email if entrance counseling is required. Log into oZONE and go to the Money tab to the Financial Aid Missing Information link. If entrance counseling is required, a link is provided. Note the link is also listed below.

What happens after I complete Entrance Counseling?

Approximately 2-3 working days after completing entrance counseling, OU Financial Aid Services will update your financial aid Missing Information link in oZONE with the date received. This is required for your loans to continue processing. Be sure to log into oZONE and check your completed Entrance Counseling has been received. Contact FAS after 3 days if your Entrance Counseling is not showing as received.

Additional Suggestions about borrowing:

Click here to begin Entrance Counseling for Federal Direct Stafford Loans.