As a current college student (and not a loan recipient, mind you. Thank you fed aid!) I can tell you that this is a difficult issue. My ultimate opinion is this: I did aid and loan counseling before I even enrolled in university, because I thought that I wouldn't get aid. As it turns out, I'm eligible for everything. There is information out there like loan counseling info sessions, info online available through most universities, and you can even do a simple google search. There is no need to invest funding in something people already have the resources for.