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Loans Repayment/Debt


Online Entrance & Exit Counseling Sessions

Student Debt Management

Welcome to the University of Colorado Denver Entrance and Exit Counseling Sessions for the Federal Perkins Program, all Federal Health Profession Loan programs and all Institutional Loan programs. A loan is a very significant responsibility to assume. Before accepting the loan, you are required to complete an Entrance counseling session, and when you graduate or drop below half time, you are required to complete an Exit counseling session. You must acquire a complete understanding of what taking out a loan means to you.

The loans processed by the Student Debt Management are campus based funds and does not include Stafford Loans, Direct Loans or PLUS loans.

A loan is money borrowed and you must repay your loans, even if you:

  • Do not complete your education
  • Are not employed upon completion of your studies
  • Feel that the education you received did not meet your expectations

Generally, student loans may not be cancelled or discharged due to bankruptcy.

Once you are no longer attending school at least half time, even if you plan to return in the future, you will need to complete an Exit counseling session. Once your grace period expires, you will have to repay your loan. It is important that you know your total loan amount, the repayment amount, and develop a budget and stick to it. This will keep you from accumulating large debts and help you manage your student loan payments when you have finished school.

You may prepay all or part of your loan at any time without penalty. Prepayment may substantially reduce your interest costs.

If you are unable to make a payment once your grace period has expired, you may apply to see if you are eligible for deferment. A deferment is a period of time during which your regular payments are temporarily suspended. No principal or interest is accruing during most deferments.

You can download all forms by clicking on this link and choosing the "Downloadable Forms" link from

The school or billing service will determine your eligibility for any of these deferments. Continue making your payments until you receive written notification that you no longer need to do so.

Many loans only offer a Hardship Deferment or Forbearance. This is a period of time during which your loan payments are temporarily reduced or suspended. You may request a Hardship Deferment or a Forbearance if you are willing but financially unable to make your full payment. You are responsible for the interest that accrues during either the Hardship Deferment or Forbearance period. You may pay the interest as it accrues, or the entire amount at the end of the deferment period. Whether you are eligible for Hardship Deferment or Forbearance depends on the type of loan you have.

Notify the school immediately if you anticipate difficulty making a payment. Failure to pay all or part of a payment when due can result in the assessment of late charges.

Your school (or its billing service) will report your past-due status to the national credit bureaus and will initiate collection actions against you if you fail to make full, timely payments.

The school will impose late charges if you do not make a scheduled payment when due, or if you fail to submit to the school on or before the due date a properly documented request for forbearance, deferment or cancellation.

Defaulting on your student loan can result in:

  • Damage to your credit rating, which could impact your ability to borrow (for example, you may be denied a car loan);
  • Referral of your account to a collection agency;
  • Collection costs;
  • Garnishment of your wages;
  • Withholding of your state tax refunds;
  • Civil lawsuit, including court costs and legal expenses;
  • Loss of deferment entitlements and flexible repayment options;
  • Loss of eligibility for further financial aid; and
  • Suspension of your professional license.

Now that you understand the importance of accepting a student loan, you will need to click on the Entrance or Exit Counseling button to complete the appropriate counseling:

Entrance Counseling or Exit Counseling

University of Colorado Denver

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