Borrowing student loans can be confusing and intimidating, enough so that these feelings can influence how students go to college or whether they even enroll at all. Colleges have a responsibility to provide loan counseling to federal student loan borrowers--which, when done intently, can produce a potentially clarifying and empowering experience. The schools highlighted in this report (the fourth in a series of five from TG Research) have chosen to make extra efforts to make loan counseling more meaningful and effective: (1) Baldwin Wallace University; (2) Broward College; (3) El Paso Community College; (4) Northern Virginia Community College; (5) Ohio State University--Main Campus; (6) SUNY College of Environmental Science and Forestry; (7) University of South Florida--Main Campus; and (8) Western Technical College. [For the related reports, "Informed or Overwhelmed? A Legislative History of Student Loan Counseling with a Literature Review on the Efficacy of Loan Counseling," see ED579985; "From Passive to Proactive: Understanding and Improving the Borrower Experience with Online Student Loan Exit Counseling. Research Report," see ED579880; "A Time to Every Purpose: Understanding and Improving the Borrower Experience with Online Student Loan Entrance Counseling. Research Report," see ED579881; and "Effective Counseling, Empowered Borrowers: An Evidence-Based Policy Agenda for Informed Student Loan Borrowing and Repayment. Research Report," see ED579879.]