Financial Aid Menu

Financial Counseling

If you receive a federal student loan, you will be required to complete both entrance and exit counseling. This ensures that you understand the responsibilities you are assuming, and provides important information as you prepare to pay back the money you borrowed.

MPN & Loan Entrance Counseling

Before receiving your loan request, you must first complete your Master Promissory Note (MPN) & Loan Entrance counseling. This counseling is meant to inform you of your rights and obligations as a borrower.

The MPN is a legally-binding contract between you and the U.S. Department of Education, and includes the terms and conditions, such as how and when repayment is expected.

Loan Exit Counseling

When you graduate, drop below half-time enrollment status or leave school, Loan Exit Counseling is required. This process provides key information that will prepare you to repay your federal student loans.

In addition to your counseling session, you will also fill out an online form that will be forwarded to NTC, notifying us that you’ve completed your exit counseling.

Additional Counseling Resources

American Student Assistance (ASA) is a non-profit organization that works with students and families to discover their education and career opportunities. They also provide resources and advocacy for students at all stages of the loan process.

Financial Awareness Counseling

The U.S. Department of Education’s Financial Awareness Counseling provides tools and information to help you understand financial aid and assist with managing your finances.

Repayment Questions

Do you have questions about a loan you are currently repaying, or about to begin repaying? A specialist at the ASA is available to provide answers.

  • Phone: 866.493.5563
  • Email:
  • Mon - Thu: 7:00 a.m. - 9:00 p.m.
  • Fri: 7:00 a.m. - 4:00 p.m.
  • Sat. 8:00 a.m. - 5:00 p.m.
  • Sun: 10:00 a.m. - 7:00 p.m.

Financial Difficulties

Have you fallen behind on your loan payments? Are you experiencing unexpected financial difficulties? The ASA has payment counselors on staff to discuss your options.

Notice of Default

If you fail to make an installment payment when it’s due, or fail to meet other terms of your loan agreement, you may receive a Notice of Default. The ASA can help you learn more and start making a plan.