I do notice that students take out loans when they can, knowing it could help pay their program costs for the periods they are enrolled in, but don't always "care". What ways has your school's faculty and/or staff helped in getting the students involved in taking ownership of their loans in the beginning of their enrollment so they do care about their future debt? I LOVE the idea of having a poster contest for the students to explain their rights and responsibilities and importance of paying the student loans back. I truly think this will give the faculty and staff a better understanding of how the student perceives Financial Aid, loans specifically. The instructors could be involved in the judging of the message (since they don't know the ins and outs of financial aid) to see how well THEY understand loan repayment too!