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Graduating Seniors

Graduating in the Fall:

Per federal regulation, we must prorate the loan amounts of graduating seniors who are attending only one semester of an academic year. Please be aware that this federal regulation may affect the eligibility amount of your subsidized and/or unsubsidized Federal Direct Stafford Loan. Prorating limits the amount of subsidized/unsubsidized loan a graduating senior can borrow as a fall only loan. It is best to submit a paper loan application (FSLA) to our office for the fastest and most accurate processing. For more information please see Proration Loan Limits. You may also download the informational form in a PDF version: Graduating Senior Proration

Navigating Student Loan Repayment:

The Office of Financial Aid and Scholarships, in partnership with $AFE, has developed a presentation to help our students navigate student loan repayment. This presentation covers various repayment plans, encourages healthy financial habits, and provides connections to resources to help you navigate your job search approaching and following graduation. View a .pdf of our presentation here: Navigating Student Loan Repayment

Debt Management:

Students who have accepted loans to fund their college career are responsible for tracking their student loan debt, staying in contact with their lenders and knowing their repayment, deferment and forbearance options. Please visit the Debt Management page for more information.

Loan Grace Period:

A student is given a six month grace period before their loans go back into repayment after they graduate, stop taking classes, or drop below the required six credit hours necessary to take student loans. Be aware that if at any time you withdrew from MSU Denver or any institution of higher education for more than six months, you have already exhausted your grace period for your student loans. Your student loans will go into repayment immediately after you graduate.

Exit Interviews

When you graduate or withdraw from MSU Denver, you are recommended to complete online Exit Counseling at Direct Loans Exit Counseling. This will help you to review your borrower rights and responsibilities. These are the same borrower rights and responsibilities that you signed on your Master Promissory Note (MPN).


Students who apply for graduation will have a “Possible Graduating” hold placed on their account. If the student did not graduate or has graduated and is returning for a second degree, teacher certification, or Master’s degree they are required to fill out a GRADTE form to clarify their status with the Office of Financial Aid and Scholarships.

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