Introduction
Throughout this period, financial-aid administrators should reinforce points made during the initial counseling stage and in the entrance interview. This ongoing counseling should occur whenever contact is made with students concerning their loans, particularly when a student applies for subsequent loans. Contact is especially important with graduating students and those who've withdrawn from school.

Tools for the in-school period

• Ongoing counseling for continuing students.
• Counseling for students who withdraw from school.
• Counseling for graduating students.
• Academic-year completion letter.
• Lender notification of borrower-status change.
• Exit-interview procedures.
• Exit-interview components.
• Student-loan exit-interview form.

If you have any feedback or would like to add your best practices to this manual, please contact the Debt-Management Team consultant for your state.