Entrance Counseling is a requirement of the Department of Education for student loan borrowers. 

You must complete Entrance Counseling online if you are:

• A first time borrower at New River CTC.
• A new transfer student.
• A returning student after a break in enrollment.

Students that have had student loans and graduate, stop out on their education, or fall below six credit hours, are required to complete Exit Counseling.

To apply for a loan:

• Complete and submit your  Student Loan Application along with all requested documentation. 
  Insufficient documentation will result in non-review.
• If you are eligible for the loan, it will be offered.
• Submit your financial aid forms using the Secure Box to protect your information.
• A Financial Aid Counselor will contact you to arrange for the completion of a Loan Eligibility Information form and Financial Literacy counseling.

For more student aid resources, visit: Federal Student Aid
You will need your FSA ID username and password to log in.   

Please Note:
Under Federal guidelines, all first time borrowers will have a 30 day hold on their loan from the first day of class. If you are borrowing for only one term, the loan will require 2 disbursements. The second disbursement will be at midterm.

• First time borrowers will also need to sign a Master Promissory Note at www.studentaid.gov
• Wait 24 – 48 hours after completing the Loan Eligibility Information form to complete the Master Promissory Note.
• This promissory note is valid for ten academic years.

A valid MPN is required before any loan funds will disburse to your account. If this is your first Direct Loan, the Master Promissory Note (MPN) will be available within a week after you accept the loan.