There are three types of loan counseling sessions:
Annual counseling for Federal Perkins Loan borrowers
New borrower counseling for undergraduate students borrowing Federal Direct Student Loans
New borrower counseling for graduate students borrowing Federal Direct Student Loans or Graduate Plus Loan borrowers
If you borrow Direct and Perkins Loans, you must complete both Perkins and Direct Loan counseling sessions.
Please review your financial aid offer to ensure that you are completing the correct loan counseling session. if you are a new student, look at your Financial Aid Notification or Towson Online Services. If you are a continuing student, review your loan offers using
Towson Online Services.