Exit Counseling

An exit counseling is a loan counseling session that provides loan repayment, grace period, billing options information, and collects updated borrower information. These online exit counseling sessions provide the borrower with the rights and responsibilities as a federal loan recipient.

Whether you are a graduating senior, moving onto graduate school at Rutgers or another institution, leaving the university, dropping below half-time attendance or taking a leave of absence, you are required to complete a mandatory exit counseling session for each of the federal loans you received. If you received both a Federal Direct Loan and a Federal Perkins Student Loan, you will be required to complete two separate online exit interviews.


If you do not complete the exit counseling requirement within 30 days of your notification, a hold(s) may be placed on your records. The hold(s) will only be removed upon completion of the exit counseling process.

If you have already completed your exit counseling and need your hold removed please contact the exits team (include RUID and type of loans).

How to Complete Your Exit Counseling

Have the following documents/information available:

check markSocial Security Card/Number

check markDriver's license

check markNames, addresses, telephone numbers of three references

check mark Heartland Key or Account Number (found on your disclosure statements or contact ECSI)

check markFSA ID (username and password) 

Federal Perkins Loan Exit Counseling

Step 1: Visit the ECSI website.

Step 2: Register and create a new profile.  
TIP: Click here if you still need help creating your profile.

Step 3: Connect your Rutgers account with your Heartland Key.

Step 4: Once you log in, click the tab that says “View Account". Then click the “Documents” tab. You will see a “Review and Sign” tab with an arrow pointing right, click it.

Step 5: Your exit counseling should be loaded up and you can go ahead and complete it.

Please contact ECSI or call 888-549-3274 for assistance completing your Perkins Loan Exit Counseling.

Federal Direct Loan Exit Counseling

Step 1: Visit the StudentLoans website.  
TIP: This website helps to verify your federal student loan information. It also offers loan verification and shows if you have Direct Loans and/or Perkins Loans.

Step 2:  Under the Undergraduate Students tab, click "Complete Exit Counseling".

Step 3: Log in to your account using your FSA ID or Email address and password.

Step 4: Click the"Start button" to begin your exit counseling.

Please contact the Student Loan Support Center for assistance completing your Federal Direct Loan Exit Counseling.


Remember to complete both exit counseling sessions if you have both Perkins and Direct Loans.