Loan resources

Interested in reviewing the Recommended Lender List? Looking for the latest offerings on federal student loan exit counseling? Trying to complete or submit forms related to your Duke Institutional Loan? The Loan Resources page can point you in the right direction!

Browse the sections below for further resources and information to help you manage your student loans!

Whether you have borrowed directly from Duke University or are in the process of managing other types of loans, our highlighted resources feature several different kinds of forms and tools you may need to utilize while you borrow student loans or navigate your repayment. These resources include: 

  • Access to the Recommended Lender List 
  • Links to various Duke Institutional Loan Forms 
  • Current offerings of Loan Counseling Sessions

Not sure what you are looking for? Feel free to reach out to our office for assistance! 

Featured Resource: Recommended Lender List

To assist with the process of identifying private educational loan options for financing your educational experience at Duke, the Office of Student Loans and Personal Finance has comprised a list of Recommended Lenders to consider. The list of lenders are organized into two overarching categories: 

  • U.S. Citizen or Non-U.S. Citizen with U.S. Co-Signer 
  • Non-U.S. Citizen without U.S. Co-Signer 

Within these two broad categories are supplementary criteria and other eligibility requirements for borrowing based on lender and loan type. 

Separate borrowing considerations for students enrolled in programs through the Fuqua School of Business are highlighted as well. 



Loans for undergraduate students in Trinity, Pratt, Health Informatics, ABSN and Allied Health Certificate programs

Graduate & Professional

Loans for Graduate & Professional students

Graduate Health Professions

Loans for students enrolled in the School of Medicine, Allied Health, or the Graduate Nursing program

Refinance & Consolidation 

Loans for student loan borrowers who are interested in consolidating or refinancing existing student loans


Loans for parents of undergraduate students

Bar Exam

Loans for Law school graduates who are preparing for the Bar Exam

Medical Residency

Loans for Medical school graduates who are working on their residency requirement


International Students

Loans for Graduate & Professional students enrolled in Fuqua, Public Policy, Law or Graduate Engineering, who are not citizens of the US.
Please choose your program from the list below, and you will be taken to the corresponding lender list on ELMSelect.

When you are choosing a lender, there are several things to consider. A few of those include:

  • The amount that can be borrowed
  • Interest rates
  • Origination fees
  • Repayment options

As interest rates may fluctuate, influencing the pricing of a loan, it may be advantageous for borrowers to apply for student loans as soon as they can to possibly secure favorable interest rates as determined by the lender.

Lender Borrowing Limits for fuqua school of business programs

Below are the Lender borrowing limits for the Fuqua School of Business Programs for Academic Year 2023-2024. 

Please note - Students attending online degree programs are ineligible to apply for no-cosigner student loans

Loan ProgramAnnual Total
(Maximum Loan)

Aggregate Program Total
(Maximum Loan)

Prodigy International Loan Programme1100% COA100% COA
Discover® Custom Graduate Loan2

Daytime: up to $137,099

Accel Daytime: up to $137,099

Weekend: up to $174,761

Global Executive: up to $176,249

MMS:FOB: up to $127,467

MQM:BA: up to $135,960

Daytime: up to $274,198

Accel Daytime: up to $137,099

Weekend: up to $174,761

Global Executive: up to $176,249

MMS:FOB: up to $127,467

MQM:BA: up to $135,960

MPOWER Private Loan$25,000$50,000

COA = Cost of Attendance

1Fuqua students enrolled in the MMS:DKU program are only eligible for a loan from Prodigy and only if they are not citizens of China or the U.S. 

2Please be advised, to be eligible for the Discover Custom Graduate Loan, you must be residing in the United States during your program studies. The Global Executive Program is an exception to this requirement. Aggregate loan limits apply. These loans are made by Discover Bank®, not by Duke University's Fuqua School of Business. 

Other Loan Resources

Throughout the repayment of your Duke Institutional Loan, you may find that you need to provide documentation or submit a necessary form for a number of reasons. Loan Forms our housed on the website of our loan servicer agency, Heartland ECSI.

Among the most common reasons that our borrowers utilize loan forms include:

  • Seeking out temporary relief during financial hardship 
  • Deferring payments during approved fellowships, rehabilitation programs, continued enrollment, active duty military service, etc.
  • Confirming employment for deferment and/or cancellation purposes 

Duke Institutional Loan Forms can be found on our servicer's website, Heartland ECSI. Once complete, forms can be sent directly to our office by email, fax, or physical mail. 





Mailing Address

Office of Student Loans & Personal Finance 
2127 Campus Drive, Annex
P.O. Box 90755
Durham, North Carolina 27708

Duke University facilitates several different kinds of loan counseling: 

federal loan Entrance counseling 

Entrance counseling is required for Direct Loan Borrowers (Subsidized, Unsubsidized or Graduate PLUS) who obtain a Direct Loan for the first time as an Undergraduate or for the first time as a Graduate or Professional student.

The following are items are helpful when completing entrance counseling 

  • Your Federal Student Aid Login information
  • Financial Aid Offer Letter
  • Three references including contact information (may be parents, other relatives, or friends)

Direct Loan Entrance Counseling is available at studentaid.gov

Once completed, the information will be sent to the school within 48 business hours to update DukeHub with a completed status.

First time borrower seminar for undergraduates 

This seminar is tailored to all first time student loan borrowers. During this session, you will review different types of educational loans, discuss the borrowing process, and reflect on important considerations for managing your loans while in school.

Check to see when upcoming sessions will be offered on our Scheduled Seminars & Events page or Make An Appointment with a staff member to complete!


Federal regulations require all federal student loan borrowers to complete an exit loan counseling session prior to graduation. A list of available group sessions can be found on the Scheduled Seminars & Events page. During the counseling session, you will receive information about the loans you have borrowed including the repayment options available to you, your rights and responsibilities as a borrower, and helpful tips for managing your loan debt.

We recommend that you attend a counseling session scheduled for your school, but you may also complete the counseling session online. Each type of loan (Direct Federal, Perkins, Nurse Faculty or other Institutional Loans) has its own online session for you to complete. So if you have borrowed a Direct Unsubsidized Loan, as well as a Perkins and a Duke Institutional Loan, then you will need to complete three separate online sessions or go to one group or individual session. 

After you complete a counseling session you will also need to complete a Personal Reference Form.  If you attend a group or individual session you can complete the personal reference form here: 

Personal Reference Form

If you complete a session online for a Direct Sub/Unsub or PLUS loan, the form is part of the online session. The same is true for a Perkins loan. 

Additional information for online Student Loan Exit counseling 

Online Counseling is available for those who are studying away from Duke and are unable to attend a group session or schedule an appointment with the Office of Student Loans and Personal Finance.


To complete online counseling:

  1. Go to https://studentaid.gov

    • Your Federal Student Aid login is required to sign in
  2. Click "Complete Counseling" from the main menu 

  3. Select "Exit Counseling" and follow the steps

Note: Once completed, the information will be sent to our office within 48 business hours to update DukeHub with a completed status.


To complete online counseling: 

  1. Go to the www.mappingyourfuture.org

  2. Be sure to have the following:

    • Social Security number
    • Driver's license number
    • Name, address, telephone number, and employer for your parent, if applicable
    • Name, address, telephone number, and employer for your spouse, if applicable
    • Names, addresses, telephone numbers, and employers for two references residing at different addresses
  3. Follow the online steps

Note: Once completed, the information will be sent to our office within 48 business hours to update DukeHub with a completed status.


To complete your online Exit requirement for Nurse Faculty Loans, please complete both items below: 

      Online Nurse Faculty Loan Exit

      Personal Data Form


To complete your online Exit requirement for Nurse Faculty Loans, please complete both items below: 

      Online Duke Institutional Loan Counseling

      Personal Data Form

Code of Conduct


All employees involved in financial aid and student lending are subject to a rigorous conflict-of-interest policy. 


Duke will not enter into any revenue-sharing arrangement with any lender.


No officer or employee of the University who is employed in the Financial Aid Office of the University or who otherwise has responsibilities with respect to education loans, or agent who has responsibilities with respect to education loans, shall solicit or accept any gift from a lender, guarantor, or servicer of education loans.


An officer or employee of the University who is employed in the Financial Aid Office of the University or who otherwise has responsibilities with respect to education loans, or agent who has responsibilities with respect to education loans, shall not accept from any lender or affiliate of any lender any fee, payment, or other financial benefit (including the opportunity to purchase stock) as compensation for any type of consulting arrangement or other contract to provide services to a lender or on behalf of a lender relating to education loans.


No employee or other agent of a lending institution may staff the University financial aid offices at any time.  The University shall ensure that no employee or other representative of a lending institution is ever identified to students or prospective students of the University or their parents as employee or agent of the University. 

The foregoing prohibitions notwithstanding, if the university believes that it would benefit students, the University may allow representatives of lenders to conduct informational sessions, such as exit interview and presentations on loan payment and loan consolidation options, so long as: (a) student attendance is voluntary; (b) a University representative explains that other lenders may provide similar services; (c) the affiliation of the lender representative is disclosed at the start of the presentation; (d) the lender representative does not promote the products or services of any lender, and (e) the University takes reasonable steps to ensure compliance with the requirements of this paragraph.

In the event that the University permits a lender to conduct information sessions or exit interviews as set forth above, the University must retain control of any interview or presentation offered by lenders.  Control may be evidenced by (a) a University employee attending such interview or presentation; or (b) the University recording or videotaping the interview or presentation.


Duke will not, for any first-time borrower, assign, through award packaging or other methods, the borrower’s loan to a particular lender; or refuse to certify, or delay certification of, any loan based on the borrower’s selection of a particular lender or guaranty agency.


Duke will not request or accept from any lender any offer of funds to be used for private education loans to students in exchange for the institution providing concessions or promises regarding providing the lender with respect to:

  • a specified number of private loans;
  • a specified loan volume of such loans; or
  • a preferred lender arrangement for such loans; or
  • private education loans, including funds for an opportunity pool loan.


Duke will not request or accept from any lender any assistance with call center or financial aid office staffing.


Any employee who is employed in the Financial Aid Office, or who otherwise has responsibilities with respect to education loans or other student financial aid of the University, and who serves on an advisory board, commission, or group established by a lender, guarantor, or group of lenders or guarantors, shall be prohibited from receiving anything of value from the lender, guarantor, or group of lenders or guarantors, except that the employee may be reimbursed for reasonable expenses incurred in serving on such advisory board, commission, or group.



A conflict of interest exists when an employee’s financial interests or other opportunities for personal benefit may compromise, or reasonably appear to compromise, the independence of judgment with which the employee performs his/her responsibilities at Duke.


A gift is any gratuity, favor, discount, entertainment, hospitality, loan, or other item having a monetary value of more than a de minimus amount.

  • The term includes a gift of services, transportation, lodging, or meals, whether provided in kind, by purchase of a ticket, payment in advance, or reimbursement after the expense has been incurred;
    • The terms does not include:
    • Standard materials, activities, or programs on issues related to a loan, default aversion, default prevention, or financial literacy, such as a brochure, a workshop, or training.
    • Training or informational material furnished to the University as an integral part of a training session that is designed to improve the service of a lender, guarantor, or servicer of educational loans to the University, if such training contributes to the professional development of the University’s employees.
    • Favorable terms, conditions, and borrower benefits on an education loan provided to a student employed by the University or an employee who is the parent of a student if such terms, conditions, or benefits are comparable to those provided to all students of the University and are not provided because of the student’s or parent’s employment with the University.
    • Entrance and exit counseling services provided to borrowers to meet the University’s responsibilities for entrance and exit counseling under federal law, so long as the University’s employees are in control of the counseling, and such counseling does not promote the products or services of any specific lender.
    • Philanthropic contributions to an institution from a lender, servicer, or guarantor of education loans that are unrelated to education loans or any contribution from any lender, guarantor, or servicer that is not made in exchange for any advantage related to education loans.
    • State education grants, scholarships, or financial aid funds administered by or on behalf of a State.


A private education loan made by a lender to a student attending the institution or the family member of such a student that involves a payment, directly or indirectly, by such institution of points, premiums, additional interest, or financial support to such lender for the purpose of such lender extending credit to the student or family.


A revenue sharing arrangement is an arrangement between Duke and a lender under which:

  • A lender providers or issues a FFEL Program loan or private education loan to students attending Duke or to the families of such students; and
  • Duke recommends the lender or the loan products of the lender and in exchange, the lender pays a fee or provides other material benefits, including revenue or profit sharing to Duke.


Staffing Assistance is as defined in the federal Truth in Lending Act, 15 USCA §1631 et seq.  Nothing in Duke’s Code of Conduct shall be construed as prohibiting Duke from requesting or accepting assistance from a lender related to:

  • Professional development training for financial aid administrators;
  • Providing educational counseling materials, financial literacy materials, or debt management materials borrowers, provided that such materials disclose to borrowers the identification of any lender that assisted in preparing or providing such materials; or
  • Staffing services on a short-term, nonrecurring basis to assist Duke with financial aid-related functions during emergencies, including State-declared or Federally declared natural disasters, Federally declared national disasters, and other localized disasters and emergencies identified by the Secretary