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Federal Direct Loan Application Steps

Steps to Receive a Federal Direct Stafford Student or PLUS Loan

A Master Promissory Note (MPN) needs to be completed if you wish to borrow through the Federal Direct Stafford or Federal Direct PLUS Loan program. The Federal Direct Stafford Master Promissory Note (MPN) is a legal document. By signing the Stafford MPN, you promise to repay your current and future Stafford loans. This note is valid for 10 years and does NOT require you to complete another MPN for subsequent borrowing, unless you elect to attend another institution.

Please follow these simple steps to complete the
Federal Direct Stafford Master Promissory Note (MPN) online:

  1. Go to
  2. Follow the online instructions to get information and to apply.
  3.  You must sign your Master Promissory Note (MPN) electronically therefore, you must have a Federal Student Aid (FSA) ID. The FSA ID is a username and password has replaced the Federal Student Aid Pin and is used to log into certain U.S. Department of Education websites. This ID confirms your identity when you access your financial aid information and electronically sign Federal Student Aid documents. To create a FSA ID, visit or call 1-800-4-FED-AID (1-800-433-3243).

You will need this information to apply:

  • Your Social Security Number, date of birth, permanent home address, and driver’s license number.
  • The name of the college you plan to attend.
  • The names, addresses, and telephone number of two separate references (Please note the references must NOT be living at the same U.S. address).

Federal Direct Stafford Loans and Federal Direct PLUS Loans are guaranteed by the Department of Education. The loan funds will be delivered through Electronic Funds Transfer (EFT) directly to your business office student account. The first disbursement will occur following 30 days into the semester.

Federal regulations require all Federal Direct Stafford loan borrowers to complete “LOAN ENTRANCE COUNSELING” before the first disbursement of your Federal Direct Stafford loan. To complete this requirement, please go online to and click on Entrance Counseling.  The purpose of the counseling is to make you aware of your rights and responsibilities associated with student loan borrowing.

Federal regulations require all Federal Direct Stafford loan borrowers to complete “LOAN EXIT COUNSELING” before your enrollment ends.  To complete this requirement, please go online to and click on Exit Counseling. The purpose of the counseling is to make you aware of your rights and responsibilities as you enter the repayment stage of your student loan borrowing.  Please note that the Exit Counseling requirement must be met before receiving your diploma.


To request further information on your program(s) of interest please click the button above to continue to our information request form.

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