So I saw that I have to complete these Loan Entrance Counseling program things. What is are these and why do I need to do them?
It’s an online education about loans, repaying them, options. You need to do it because it is a condition of your taking a federal loan.
As noted, the loan counseling gives you information about the loans you plan to take. It is important to read everything carefully so you understand what this is all about.