First Time Federal Direct Loan Borrower


Master Promissory Note (MPN) for Direct Loans


Students, who are borrowing for the first time through the Federal Direct Loan Program, must complete a Master Promissory Note (MPN). The Department of Education provides an electronic version of the Master Promissory Note. Generally this is a faster process than completing a paper promissory note.  You also need to complete the Entrance Counseling requirement. For this requirement, please complete the online Entrance Counseling.


What You Need to Complete the MPN


1.   Your United States Department of Education PIN number. If you do not have your PIN, please visit the official Web site to get your Federal PIN number. Note, a student borrower has a PIN, and the parent borrower has a PIN. The parent PIN is not the same as the student PIN.

Federal Student Aid Pin Web site


2.   Gather the following information:


o   Your Social Security Number

o   Your driver’s license number

o   Names, addresses, and phone numbers for two references


3.   Go to the Electronic MPN Web site to complete your eMPN.