Return to accessibility navigation at the top of the page.

Exiting/Graduating Students

If you have borrowed student loans and will no longer be attending Pima Community College, there are some things that you need to do and be aware of.

Learn more about some specific situations below and the steps that you need to take.  Also, the final section provides great information on resources to help you manage your student loan.

If you're using a screen reader or other assistive technology use this link to skip past the interactive piece to access the content below it.

  • Dropped below 6 credits

    If you borrowed student loans while at PCC (or any other school) and have dropped below 6 credits, your loans have entered their grace period (assuming you have not gone into repayment before). This means you have 6 months before you must start to make payments on them.  If you have used your grace period, you will immediately go into repayment. You need to know all your repayment options, which include deferments and forbearance options.  To ensure you fully understand what is going to happen, follow these directions:

    Check your MyPima, Financial Aid tab (if you still have access), for the Loan Exit Counseling red X icon in the requirement section. If not follow the steps below.

    • You must complete Direct Loan Exit Counseling online. Log in to StudentLoans.gov using your FSA ID
      • Select "Complete Counseling" on the left-hand navigation bar
      • Select "Exit Counseling" under "Choose Counseling Type"
    • Check your 2015-2016 MyPima, Financial Aid tab for the Loan Exit Counseling requirement. Follow the prompts and complete Exit Counseling.
    • Several days later, PCC will be notified that your Exit Counseling has been completed, and your red X will be updated to a green check.
    • If you are continuing your education next semester at PCC or another institution, you must still complete the above requirement. If you are enrolled at least half time your loans do not start repayment; your school will notify your loan servicer.
    • You must complete this requirement within 30 days. In the event you don’t a hold will be placed on your PCC student account.

    If, at any time, you find you are struggling to make your student loan payment, do NOT do nothing. There are many resources available to help you! Defaulting on your student loan has many consequences that you don’t want to have to deal with. 

  • Completely withdraw from Pima

    If you borrowed student loans while at PCC (or any other school) and have dropped all your courses, you may owe money back to PCC and/or the Department of Education. We will send a letter to your permanent address on file indicating if you have a balance due. If you do not receive a letter you may contact our office to find out how much you owe, if anything.

    Due to your complete withdrawal, your student loans will enter into their grace period. In most cases, you will have 6 months before you must begin making payments on them. It is very important that you know all your repayment options, which include deferments and forbearance options. To ensure you fully understand what is going to happen, follow these directions:

    Check your 2015-2016 MyPima, Financial Aid tab, for the Loan Exit Counseling red X icon in the requirement section.

    • You must complete Direct Loan Exit Counseling online. Log in to StudentLoans.gov using your FSA ID
      • Select "Complete Counseling" on the left-hand navigation bar
      • Select "Exit Counseling" under "Choose Counseling Type"
    • Check your 2015-2016 MyPima, Financial Aid tab for the Loan Exit Counseling requirement. Follow the prompts and complete Exit Counseling.
    • Several days later, PCC will be notified that your Exit Counseling has been completed, and your red X will be updated to a green check.
    • If you are continuing your education next semester at PCC or another institution, you must still complete the above requirement. If you are enrolled at least half time your loans do not start repayment; your school will notify your loan servicer.
    • You must complete this requirement within 30 days. In the event you don't a hold will be placed on your PCC student account.

    If, at any time, you find you are struggling to make your student loan payment, do NOT do nothing. There are many resources available to help you! Defaulting on your student loan has many consequences that you don’t want to have to deal with. 

  • Not attending next semester

    If you borrowed student loans while at PCC (or any other school) and have decided that you will not be attending PCC or any other school next semester, your loans have entered their grace period. This means you have 6 months before you must start to make payments on them.  You need to know all your repayment options, which include deferments and forbearance options.  To ensure you fully understand what is going to happen, follow these directions:
    Check your 2015-2016 MyPima, Financial Aid tab, for the Loan Exit Counseling red X icon in the requirement section.

    • You must complete Direct Loan Exit Counseling online. Log in to StudentLoans.gov using your FSA ID
      • Select "Complete Counseling" on the left-hand navigation bar
      • Select "Exit Counseling" under "Choose Counseling Type"
    • Check your 2015-2016 MyPima, Financial Aid tab for the Loan Exit Counseling requirement. Follow the prompts and complete Exit Counseling.
    • Several days later, PCC will be notified that your Exit Counseling has been completed, and your red X will be updated to a green check.
    • If you are continuing your education next semester at PCC or another institution, you must still complete the above requirement. If you are enrolled at least half time your loans do not start repayment; your school will notify your loan servicer.
    • You must complete this requirement within 30 days. In the event you don't a hold will be placed on your PCC student account.

    If, at any time, you find you are struggling to make your student loan payment, do NOT do nothing. There are many resources available to help you! Defaulting on your student loan has many consequences that you don’t want to have to deal with. 

  • Transferring from Pima

    If you borrowed student loans while at PCC (or any other school) and have decided that you want to continue your education at another institution, while we support your decision, there are a couple things you need to be aware of:

    1. If you have financial aid pending at PCC, let us know you are transferring so we can cancel your aid to ensure a smooth financial aid transfer process for you.  Submit this aid cancellation form to our office.
    2. If you enroll in at least 6 credits at the new school, your loans will stay in an in-school deferment status as long as the new school reports your enrollment to the National Clearinghouse. If they do not report this, you should submit a paper deferment form to your loan servicer to ensure your loans stay in good standing.
    3. If you enroll in less than 6 credits, your loans will enter their grace period. This means you have 6 months before you must start to make payments on them.  You need to know all your repayment options, which include deferments and forbearance options.  To ensure you fully understand what is going to happen, follow these directions:

    Regardless of your enrollment level, additional work needs to be done before you leave. Check your 2015-2016 MyPima, Financial Aid tab, for the Loan Exit Counseling red X icon in the requirement section.

    • You must complete Direct Loan Exit Counseling online at studentloans.gov/myDirectLoan/index.action
    • Check your 2015-2016 MyPima, Financial Aid tab for the Loan Exit Counseling requirement. Follow the prompts and complete Exit Counseling.
    • Several days later, PCC will be notified that your Exit Counseling has been completed, and your red X will be updated to a green check.
    • If you are continuing your education next semester at PCC or another institution, you must still complete the above requirement. If you are enrolled at least half time your loans do not start repayment; your school will notify your loan servicer.
    • You must complete this requirement within 30 days. In the event you don’t a hold will be placed on your PCC student account.

    If, at any time, you find you are struggling to make your student loan payment, do NOT do nothing. There are many resources available to help you! Defaulting on your student loan has many consequences that you don’t want to have to deal with. 

  • Graduating from Pima

    You’re graduating! Congratulations! That’s awesome!  Whether you are entering the work force or continuing your education, we want you to be prepared!  If you will continue your education, check out the additional information in the Transferring from Pima section above.   If you are entering the workforce, you need to be aware that your loans have entered their grace period.  This means you have 6 months before you must start to make payments on them.  You need to know all your repayment options, which include deferments and forbearance options.  To ensure you fully understand what is going to happen, follow these directions:

    Check your 2015-2016 MyPima, Financial Aid tab, for the Loan Exit Counseling red X icons in the requirement section.

    • You must complete Direct Loan Exit Counseling online. Log in to StudentLoans.gov using your FSA ID
      • Select "Complete Counseling" on the left-hand navigation bar
      • Select "Exit Counseling" under "Choose Counseling Type"
    • Check your 2015-2016 MyPima, Financial Aid tab for the Loan Exit Counseling requirement. Follow the prompts and complete Exit Counseling.
    • Several days later, PCC will be notified that your Exit Counseling has been completed, and your red X will be updated to a green check.
    • If you are continuing your education next semester at PCC or another institution, you must still complete the above requirement. If you are enrolled at least half time your loans do not start repayment; your school will notify your loan servicer.
    • You must complete this requirement within 30 days. In the event you don’t a hold will be placed on your PCC student account.

    If, at any time, you find you are struggling to make your student loan payment, do NOT do nothing. There are many resources available to help you! Defaulting on your student loan has many consequences that you don’t want to have to deal with. 

Dropped below 6 credits

If you borrowed student loans while at PCC (or any other school) and have dropped below 6 credits, your loans have entered their grace period (assuming you have not gone into repayment before). This means you have 6 months before you must start to make payments on them.  If you have used your grace period, you will immediately go into repayment. You need to know all your repayment options, which include deferments and forbearance options.  To ensure you fully understand what is going to happen, follow these directions:

Check your MyPima, Financial Aid tab (if you still have access), for the Loan Exit Counseling red X icon in the requirement section. If not follow the steps below.

  • You must complete Direct Loan Exit Counseling online. Log in to StudentLoans.gov using your FSA ID
    • Select "Complete Counseling" on the left-hand navigation bar
    • Select "Exit Counseling" under "Choose Counseling Type"
  • Check your 2015-2016 MyPima, Financial Aid tab for the Loan Exit Counseling requirement. Follow the prompts and complete Exit Counseling.
  • Several days later, PCC will be notified that your Exit Counseling has been completed, and your red X will be updated to a green check.
  • If you are continuing your education next semester at PCC or another institution, you must still complete the above requirement. If you are enrolled at least half time your loans do not start repayment; your school will notify your loan servicer.
  • You must complete this requirement within 30 days. In the event you don’t a hold will be placed on your PCC student account.

If, at any time, you find you are struggling to make your student loan payment, do NOT do nothing. There are many resources available to help you! Defaulting on your student loan has many consequences that you don’t want to have to deal with. 

Completely withdraw from Pima

If you borrowed student loans while at PCC (or any other school) and have dropped all your courses, you may owe money back to PCC and/or the Department of Education. We will send a letter to your permanent address on file indicating if you have a balance due. If you do not receive a letter you may contact our office to find out how much you owe, if anything.

Due to your complete withdrawal, your student loans will enter into their grace period. In most cases, you will have 6 months before you must begin making payments on them. It is very important that you know all your repayment options, which include deferments and forbearance options. To ensure you fully understand what is going to happen, follow these directions:

Check your 2015-2016 MyPima, Financial Aid tab, for the Loan Exit Counseling red X icon in the requirement section.

  • You must complete Direct Loan Exit Counseling online. Log in to StudentLoans.gov using your FSA ID
    • Select "Complete Counseling" on the left-hand navigation bar
    • Select "Exit Counseling" under "Choose Counseling Type"
  • Check your 2015-2016 MyPima, Financial Aid tab for the Loan Exit Counseling requirement. Follow the prompts and complete Exit Counseling.
  • Several days later, PCC will be notified that your Exit Counseling has been completed, and your red X will be updated to a green check.
  • If you are continuing your education next semester at PCC or another institution, you must still complete the above requirement. If you are enrolled at least half time your loans do not start repayment; your school will notify your loan servicer.
  • You must complete this requirement within 30 days. In the event you don't a hold will be placed on your PCC student account.

If, at any time, you find you are struggling to make your student loan payment, do NOT do nothing. There are many resources available to help you! Defaulting on your student loan has many consequences that you don’t want to have to deal with. 

Not attending next semester

If you borrowed student loans while at PCC (or any other school) and have decided that you will not be attending PCC or any other school next semester, your loans have entered their grace period. This means you have 6 months before you must start to make payments on them.  You need to know all your repayment options, which include deferments and forbearance options.  To ensure you fully understand what is going to happen, follow these directions:
Check your 2015-2016 MyPima, Financial Aid tab, for the Loan Exit Counseling red X icon in the requirement section.

  • You must complete Direct Loan Exit Counseling online. Log in to StudentLoans.gov using your FSA ID
    • Select "Complete Counseling" on the left-hand navigation bar
    • Select "Exit Counseling" under "Choose Counseling Type"
  • Check your 2015-2016 MyPima, Financial Aid tab for the Loan Exit Counseling requirement. Follow the prompts and complete Exit Counseling.
  • Several days later, PCC will be notified that your Exit Counseling has been completed, and your red X will be updated to a green check.
  • If you are continuing your education next semester at PCC or another institution, you must still complete the above requirement. If you are enrolled at least half time your loans do not start repayment; your school will notify your loan servicer.
  • You must complete this requirement within 30 days. In the event you don't a hold will be placed on your PCC student account.

If, at any time, you find you are struggling to make your student loan payment, do NOT do nothing. There are many resources available to help you! Defaulting on your student loan has many consequences that you don’t want to have to deal with. 

Transferring from Pima

If you borrowed student loans while at PCC (or any other school) and have decided that you want to continue your education at another institution, while we support your decision, there are a couple things you need to be aware of:

  1. If you have financial aid pending at PCC, let us know you are transferring so we can cancel your aid to ensure a smooth financial aid transfer process for you.  Submit this aid cancellation form to our office.
  2. If you enroll in at least 6 credits at the new school, your loans will stay in an in-school deferment status as long as the new school reports your enrollment to the National Clearinghouse. If they do not report this, you should submit a paper deferment form to your loan servicer to ensure your loans stay in good standing.
  3. If you enroll in less than 6 credits, your loans will enter their grace period. This means you have 6 months before you must start to make payments on them.  You need to know all your repayment options, which include deferments and forbearance options.  To ensure you fully understand what is going to happen, follow these directions:

Regardless of your enrollment level, additional work needs to be done before you leave. Check your 2015-2016 MyPima, Financial Aid tab, for the Loan Exit Counseling red X icon in the requirement section.

  • You must complete Direct Loan Exit Counseling online at studentloans.gov/myDirectLoan/index.action
  • Check your 2015-2016 MyPima, Financial Aid tab for the Loan Exit Counseling requirement. Follow the prompts and complete Exit Counseling.
  • Several days later, PCC will be notified that your Exit Counseling has been completed, and your red X will be updated to a green check.
  • If you are continuing your education next semester at PCC or another institution, you must still complete the above requirement. If you are enrolled at least half time your loans do not start repayment; your school will notify your loan servicer.
  • You must complete this requirement within 30 days. In the event you don’t a hold will be placed on your PCC student account.

If, at any time, you find you are struggling to make your student loan payment, do NOT do nothing. There are many resources available to help you! Defaulting on your student loan has many consequences that you don’t want to have to deal with. 

Graduating from Pima

You’re graduating! Congratulations! That’s awesome!  Whether you are entering the work force or continuing your education, we want you to be prepared!  If you will continue your education, check out the additional information in the Transferring from Pima section above.   If you are entering the workforce, you need to be aware that your loans have entered their grace period.  This means you have 6 months before you must start to make payments on them.  You need to know all your repayment options, which include deferments and forbearance options.  To ensure you fully understand what is going to happen, follow these directions:

Check your 2015-2016 MyPima, Financial Aid tab, for the Loan Exit Counseling red X icons in the requirement section.

  • You must complete Direct Loan Exit Counseling online. Log in to StudentLoans.gov using your FSA ID
    • Select "Complete Counseling" on the left-hand navigation bar
    • Select "Exit Counseling" under "Choose Counseling Type"
  • Check your 2015-2016 MyPima, Financial Aid tab for the Loan Exit Counseling requirement. Follow the prompts and complete Exit Counseling.
  • Several days later, PCC will be notified that your Exit Counseling has been completed, and your red X will be updated to a green check.
  • If you are continuing your education next semester at PCC or another institution, you must still complete the above requirement. If you are enrolled at least half time your loans do not start repayment; your school will notify your loan servicer.
  • You must complete this requirement within 30 days. In the event you don’t a hold will be placed on your PCC student account.

If, at any time, you find you are struggling to make your student loan payment, do NOT do nothing. There are many resources available to help you! Defaulting on your student loan has many consequences that you don’t want to have to deal with.