All students who are awarded the Federal Subsidized and Unsubsidized Stafford Loan for the first time at FHCHS are required by federal regulations to complete Entrance Loan Counseling prior to receiving any loan proceeds.

Students will be able to meet the requirement by doing Entrance Loan Counseling online at www.FHCHS.edu.

Items to be reviewed will include the following:

1. Explanation of all sources of aid
2. Constraints on aid
3. Terms and conditions of various loan programs
4. Loan repayment and options, financial planning, and consequences of delinquency and default
5. Keeping the lender informed
6. Deferment, forbearance, and cancellation conditions
7. The need for the student to retain all loan documentation
8. Explanation of sale and servicing of loans
9. Review of refund policy
10. Review of Satisfactory Academic Progress policy.

First-time, first-year borrowers (students who have NEVER received federal student loans) are required to have their loan proceeds held by the Financial Aid Office for 30 days AFTER the first day of classes. If still enrolled at that time, a student’s loan proceeds may then be disbursed.