To fulfill current federal and UCLA requirements, a potential borrower of a federal or campus-based student loan must complete an online UCLA Debt Management Session/Entrance Exam (DMS/EE) prior to receiving the loan funds.

You must complete the appropriate online session/exam if you are:
  • an undergraduate or a graduate/professional student borrowing for the first time at UCLA
  • a graduate/professional student who completed a DMS/EE prior to April 23, 2008 and is now applying for a Graduate PLUS (GPLS)
  • a student borrowing for the first time at UCLA under the University Dream Loan Program. (PLEASE NOTE: This particular session/exam, specifically designed for University Dream Loan borrowers, fulfills requirements related to the disbursement of a University Dream Loan ONLY. Completion of a University Dream Loan Debt Management Session/Entrance Exam does NOT fulfill the requirements attached to any other type of loan.)

You must complete a DMS/EE at UCLA once as an undergraduate student and once as a graduate/professional student. (Graduate/Professional students who have completed the session/exam as a UCLA undergraduate need to take the graduate/professional session/exam only if applying for a Grad PLUS Loan.)

SB 1289 Required Notice (Federal Student Loans versus Private Student Loans)

Students considering student loans need to be aware of the differences between federal student loans and private student loans:

  • Federal student loans are required by law to provide a range of flexible repayment options including, but not limited to, income-based and income-contingent repayment plans, as well as loan forgiveness benefits that private lenders are not required to provide.
  • Federal direct loans are available to most students regardless of income. Other qualification criteria do apply. For more information, please visit
  • Private student loan lenders can offer variable interest rates that can increase or decrease over time, depending on market conditions.
  • The interest rate on a private loan may depend on the borrower’s and/or co-signer’s credit rating
  • Private student loans have a range of interest rates and fees and students should determine the interest rate of, and any fees associated with, the private student loan included in their financial aid award package before accepting the loan. Students should contact the lender of the private student loan or their UC campus’ financial aid office if they have any questions about a private student loan.

Some UC campuses offer students their own private (institutional) student loans. Students offered a UC institutional private student loan should know that:

  • Interest rates on UC loans will be fixed, not variable
  • UC loans can have a range of interest rates
  • UC loans are not awarded based on the credit history of the borrower

For questions/problems concerning the online session/exam or general counseling, please contact the Loan Services Office, Monday thru Friday, 9:00 AM to 4:45 PM at (310) 825-9864 and choose option '8'.