In recent years, there has been strong bipartisan interest at the congressional level to require annual federal student loan counseling. Given this interest, and the National Association of Student Financial Aid Administrators' (NASFAAs') commitment to being an active, helpful partner in reauthorization discussions, NASFAA convened a task force charged with examining ways in which annual counseling could be implemented effectively that would not be unnecessarily burdensome or repetitive for students and institutions. The charge of the Enhanced Loan Counseling Task Force was to think about counseling in an innovative and creative way, with the assumption that Congress will act to impose additional counseling requirements through the next reauthorization of the Higher Education Act. The Enhanced Loan Counseling Task Force expresses support for a federal effort to develop strategic, targeted, and more frequent counseling, but acknowledges that a single annual counseling tool for every borrower would not be the most effective way to educate borrowers. This report includes recommendations in order to make loan counseling more meaningful and effective, whether annual or less frequent.