PLUS Credit Counseling is required if the U.S. Department of Education has informed you that you have an adverse credit history and you have obtained an endorser or documented to the satisfaction of the U.S. Department of Education that there are extenuating circumstances related to your adverse credit history. PLUS Credit Counseling can be completed voluntarily at any time.
What if I complete the counseling voluntarily and they say I have an adverse credit history after I just completed my counseling?
In that case your PLUS Credit Counseling requirement will be considered to be fulfilled.
Ah, that's good to know. And what can you tell me about exit counseling?