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Leaving KSC and Loan Repayment

Exit Counseling

Exit counseling is required for students who participate in a federal and/or institutional loan program at any point during their enrollment at KSC. Students will be asked to complete exit counseling upon graduation, transferring, taking a leave of absence or withdrawing from KSC. Note: If exit counseling has been requested from a student, and that student later returns to KSC, a new entrance counseling session will be required.

Federal Loan Exit Counseling

Complete this counseling at the Federal Student Aid's National Student Loan Data System (NSLDS) page.

Institutional Loan Exit Counseling

  • You can complete your Perkins loan exit counseling online. In addition, the Student Accounts Office will generate a paper packet and mail it to you; you must complete this packet return it directly to Student Accounts.
  • Keene Tuition Loan is completed via a paper packet generated and mailed by our Student Accounts Office. This packet must be returned directly to Student Accounts.

Private loans do not require exit counseling.

National Student Loan Data System

The National Student Loan Data System (NSLDS) is the U.S. Department of Education's (ED's) central database for student aid. NSLDS receives data from schools, guaranty agencies, the Direct Loan program, and other Department of ED programs. NSLDS Student Access provides a centralized, integrated view of Title IV loans and grants so that recipients of Title IV Aid can access and inquire about their Title IV loans and/or grant data. Use your federal PIN to log into the NSLDS site.

Loan Servicing

Federal Loans

The U.S. government is the lender under the Direct Loan program. You will make all repayments to the U.S. government through Borrower Services at the Federal Student Aid Loan Servicing Center.

Institutional Loans

ACS Education Services services the Federal Perkins and Keene Tuition loans. They will contact you directly regarding how and when to begin making payments.

Private Loans

The lender you borrowed from services private alternative loans. Be sure to keep records of each private loan program you participate in.

Loan Deferment/Forbearance

A period of deferment or forbearance is a period of time where a borrower is not responsible for making payments on an outstanding loan balance. Each loan program carries different automatic periods of deferment and each loan program may or may not accrue interest during a period of deferment or forbearance.

Federal Loans

Federal Direct Student Loans are eligible for automatic deferment during periods of at least half-time enrollment. Federal loans are also eligible for a one-time automatic six-month grace period.

Additional deferment and/or forbearance time, for circumstances other than enrollment, can be applied for directly with your servicer. If you think you may need or be eligible to have your deferment or forbearance extended, contact your servicer immediately.

Institutional Loans

The Federal Perkins Loan and the Keene Tuition Loan are eligible for automatic deferment during periods of at least half-time enrollment. Students who have participated in one of these programs and subsequently left KSC and transferred to another school are strongly encouraged to contact their servicer, ACS, to request an enrollment verification form. Forward this form to the registrar's office at your new school and have them return it directly to ACS to confirm that you are enrolled at least half time and continue to be eligible for continued deferment.

You can apply directly to your servicer for additional deferment and/or forbearance time, for circumstances other than enrollment. If you think you may need or be eligible to have your deferment or forbearance extended, contact your servicer immediately.

Private Loans

Each individual lender determines their terms of deferment and/or forbearance. Please contact your lender for more information.


Contact Financial Aid

Financial Aid Office
Keene State College
229 Main Street
Keene, NH 03435-2606

800-572-1909 * 603-358-2280
financialaid@keene.edu
Fax: 603-358-2794