Is it necessary for me to complete Exit Counseling?
If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, you must complete exit counseling each time you drop below half-time enrollment, graduate, or leave school.
Sure. Now I need to ask about After graduation or leaving school. With this list I can see plans that will have a payback of up to 20 or 25 years?
yes but if it is not fully refunded within that time the remaining balance will be forgiven.