<p>Checklists for borrowers/One on One meetings regarding Entrance and Exit Counseling limit up to 15 minutes to cover rights and responsibilities.&#160; Having available servicer information in writing for the borrower/consequences of default/explanation of interest and accrual/ under half-time enrollment status what does this mean for aid. Disbursement of aid in writing and in person session of 10 minutes to reinforce with student. Basically reinforcement of the borrowing responsibilities in person and in writing is the most efficient and better education for the borrower.&#160; Other options online or by email etc.</p>