Frequently Asked Questions

Collapse Section Button. Press enter twice to open this section. Master Promissory Note

What is a Master Promissory Note (MPN)?

The MPN is a promissory note that can be used to make one or more loans for one or more academic years (up to 10 years). There are two types of MPNs in the Direct Loan Program: one for Direct Subsidized/Unsubsidized Loans and one for Direct PLUS Loans.

If you are an undergraduate or a graduate/professional student attending a school that is authorized and chooses to make multiple loans under the same MPN for more than one academic year, you may be required to sign only one MPN for all of your Direct Subsidized Loans and Direct Unsubsidized Loans. If you enroll in college as a freshman and borrow under the Direct Loan Program for all years of study, you may be able to borrow under this one MPN for all academic years.

If you are a graduate/professional student attending a school that is authorized and chooses to make multiple loans under the same MPN for more than one academic year, you may be required to sign only one MPN for all of your Direct Subsidized Loans and Direct Unsubsidized Loans. You may be able to borrow under this one MPN for all academic years of graduate/professional study.

Note: Graduate/professional students aren't eligible for Direct Subsidized Loans.

If you are a parent whose child is attending a school that is authorized and chooses to make multiple loans under the same MPN for more than one academic year, you may be required to sign only one MPN for all of your Direct PLUS Loans. You may be able to borrow under this one MPN for all academic years of that child's undergraduate study. Note: Parents must sign an MPN for each child for whom they are borrowing.

What if I do not want to complete an MPN electronically?

To complete a paper MPN, contact the school's financial aid office.

How do I complete an electronic MPN?

To complete an electronic MPN:

  • From the StudentLoans.gov home page, click on the "Sign In" button located in the "Manage My Direct Loans" box. The Sign In page will appear.
  • Use of another person's PIN constitutes fraud. Use only your own PIN information.
  • Once signed in, click on the "Complete MPN" option located under the "Master Promissory Note" heading on the left menu bar. The Master Promissory Note (MPN) page will appear.
  • Select the type of loan you would like to receive.
  • Follow the instructions to complete, sign, and submit your MPN.

What do I do after I have completed a Master Promissory Note?

Your school's financial aid office will be notified of the completion and will contact you if further action is needed.

Before your loans are disbursed, you will receive a disclosure statement from us.

To view your submitted Master Promissory Notes (MPN):

  • From the StudentLoans.gov home page, click on the "Sign In" button located in the "Manage My Direct Loans" box. The Sign In page will appear.
  • Once signed in, click on the "Completed MPNs" option located under the "My Loan Documents" heading on the left menu bar. The "Completed Master Promissory Notes" page will appear.

Will I be able to save my electronic MPN prior to submitting it and return at a later time to complete it?

No. You will need to complete the entire electronic MPN process in a single session. If you exit the Web Site before submitting your signed MPN and return later, you will have to start over from the beginning of the process.

Expand Section Button. Press enter twice to access the content in this section. Direct PLUS Loan Requests

What is a Direct PLUS Loan for parents?

Direct PLUS Loans are loans available to parents of dependent undergraduate students to help pay for educational expenses up to the cost of attendance minus all other financial assistance. Interest is charged during all periods.

Parents completing a PLUS eMPN or Direct PLUS Loan Request must use their own PIN number, and not their child's PIN number.

What is a Direct PLUS Loan for graduate/professional students?

Direct PLUS Loans are loans available to graduate/professional students to help pay for educational expenses up to the cost of attendance minus all other financial assistance. Interest is charged during all periods.

How do I apply?

First time borrowers must submit a Master Promissory Note (MPN). Your school also may require you to complete a Direct PLUS Loan Request. You can complete both the MPN and Direct PLUS Loan Request at this site.

Parents completing a electronic PLUS MPN or Direct PLUS Loan Request must use their own PIN number, and not their child's PIN number.

Use of another person's PIN constitutes fraud. Use only your own PIN information.

What are the Direct PLUS Loan eligibility requirements?

Parent Borrowers of a Direct PLUS Loan:

  • Must be the biological or adoptive parent of a dependent undergraduate or the spouse of the parent whose income and assets were reported on the Free Application for Federal Student Aid (FAFSA), or would be reported if a FAFSA were filed.
  • Must not have an adverse credit history or must obtain an endorser. (An endorser is someone who agrees to repay a Direct PLUS Loan if the borrower does not repay the loan.)
  • And their dependent child:
    • Must be a U.S. citizen or eligible noncitizen.
    • Must not be in default on any federal education loans or owe an overpayment on a federal education grant
    • Must be enrolled at least half-time at a school that participates in the Direct Loan Program and meet the general eligibility requirements for the Federal Student Aid programs, including filing a FAFSA

Graduate/Professional Student Borrowers of a Direct PLUS Loan:

  • Must be enrolled at least half time at a school that participates in the Direct Loan Program and meet the general eligibility requirements for the Federal Student Aid programs, including filing a FAFSA.
  • Must be a U.S. citizen or eligible noncitizen.
  • Must not be in default on any federal education loans or owe an overpayment on a federal education grant.
  • Must not have an adverse credit history or must obtain an endorser. (An endorser is someone who agrees to repay a Direct PLUS Loan if the borrower does not repay the loan.)

Where do I find an incomplete Direct PLUS Loan Request?

To return to an incomplete Direct PLUS Loan Request:

  • From the StudentLoans.gov home page, click on the "Sign In" button located in the "Manage My Direct Loan" box. The Sign In page will appear.
  • Once signed in, click on the "Direct PLUS Loan Requests" option located under the "My Loan Documents" heading on the left menu bar. The "Direct PLUS Loan Requests" page will appear.

What do I do now that I have completed a Direct PLUS Loan Request?

Contact your school's financial aid office if you have questions regarding your Direct PLUS Loan.

To view your submitted Direct PLUS Loan Requests:

  • From the StudentLoans.gov home page, click on the "Sign In" button located in the "Manage My Direct Loans" box. The Sign In page will appear.
  • Once signed in, click on the "Direct PLUS Loan Requests" option located under the "My Loan Documents" heading on the left menu bar. The "Direct PLUS Loan Requests" page will appear.

Expand Section Button. Press enter twice to access the content in this section. Credit Check

Does my debt to income ratio, credit score, or employment status count against me?

These factors are not taken into account when your credit history is reviewed. A lack of credit is not considered adverse credit.

What is considered "Adverse Credit"?

Adverse Credit Conditions include but are not limited to:

  • Bankruptcy (Chapters 7,11, or 12 within the past 5 years).
    Note: Department Policy does not consider Chapter 13 bankruptcy as adverse credit.
  • Voluntary surrender within the last 5 years.
  • Repossession within the last 5 years.
  • Foreclosure proceedings started.
  • Foreclosure within the last 5 years.
  • Deed in lieu of foreclosure.
  • Accounts currently 90 days or more delinquent.
    • Unpaid collection accounts.
    • Charge offs/write offs.
  • Wage garnishment within the last 5 years.
  • Defaulted loan that has been claim paid.
  • Lease or contract terminated by default.
  • County/State/Federal tax lien, within the past 5 years.

What are my options when I am declined?

You may either obtain an endorser, or you may choose to document extenuating circumstances relating to the reason you were declined.

Contact the school's financial aid office as soon as possible to let them know whether you plan to pursue a Direct PLUS Loan by obtaining an endorser or submitting documentation of extenuating circumstances.

If you decide not to pursue a Direct PLUS Loan, the school's financial aid administrator may be able to provide information concerning other options to assist you with paying for your or the student's education.

Obtain an Endorser

An endorser is someone who does not have an adverse credit history and agrees to repay the loan if you do not repay it. If you are a parent borrower, the endorser may not be the student on whose behalf you are requesting the Direct PLUS Loan.

If you choose to obtain an endorser, the endorser may complete the endorser addendum on our secure StudentLoans.gov Web site. To complete the endorser addendum online, the endorser will need the borrower's last name and either the endorser code (if you completed a Direct PLUS Loan Request) OR the Loan/Award Identification Number and a Federal Student Aid (FSA) PIN. If you completed a Direct PLUS Loan Request, the endorser code may be found in the confirmation email you received or may be found by logging in to the StudentLoans.gov Web site and selecting "Direct PLUS Loan Requests" located on the left navigation bar. If you did not complete a Direct PLUS Loan Request, the Loan/Award Identification Number may be obtained from the school. If the endorser does not have an FSA PIN, they may obtain one by visiting the FSA PIN Web site at www.pin.ed.gov.

Document Extenuating Circumstances

Document to the satisfaction of the U.S. Department of Education that:

  • The information causing the adverse credit decision is incorrect or has been corrected.
  • OR
  • There are extenuating circumstances relating to the adverse credit history. (Note: Endorsers aren't eligible for this option.)

If I am declined and decide to document extenuating circumstances, how long will this process take?

After you submit your request to document extenuating circumstances, Applicant Services will contact you. Once all documentation has been received, a determination will be made and provided to you within 7-10 business days.

How do I begin the process of documenting extenuating circumstances?

If you believe there are extenuating circumstances related to the adverse credit information that should be considered in evaluating your eligibility for a Direct PLUS Loan, you may begin the process in one of two ways:

  1. Log in to StudentLoans.gov and select "Document Extenuating Circumstances" on the left navigation bar. Follow directions. Applicant Services will contact you with further instructions.
  2. Contact Applicant Services between 8:00 AM to 8:00 PM, Eastern Time, Monday through Friday. Applicant Services may be reached toll-free, at 1-800-557-7394.

Expand Section Button. Press enter twice to access the content in this section. Entrance Counseling (Required)

What is entrance counseling?

Entrance counseling explains the obligations you agree to meet as a condition of receiving a Direct Loan.

Topics include:

  • Understand Your Loans
  • Manage Your Spending
  • Plan to Repay
  • Avoid Default
  • Make Finances a Priority

Who must complete entrance counseling?

If you are a student and have not previously received a subsidized/unsubsidized loan or PLUS loan (graduate/professional students only) under the Direct Loan Program or Federal Family Education Loan (FFEL) Program, you must complete entrance counseling for that loan type before receiving a loan to ensure that you understand your responsibilities and the obligations you are assuming.

Notes:

  • The FFEL Program ended July 1, 2010 and no new loans have been made under the FFEL Program after that date.
  • Graduate/professional students aren't eligible for Direct Subsidized Loans.

How do I complete entrance counseling?

To complete entrance counseling for Direct Subsidized/Unsubsidized Loans and Direct PLUS Loans:
  • Sign into this Web site using your Federal Student Aid PIN.
    Use of another person's PIN constitutes fraud. Use only your own PIN information.
  • "Complete Counseling" found in the left navigation bar
  • Select "Entrance Counseling" under "Choose Counseling Type"
  • Select the school(s) you want to notify of counseling completion
  • Select Student Type (UndergraduateA student who is enrolled in an undergraduate course of study at a college/university or career school that usually doesn't exceed four years and that leads to an undergraduate degree or certificate. or Graduate/Professional<b>A student who:</b> <br/>(1) Is not an undergraduate student;<br/> (2) Is enrolled in a program or course above the bachelors degree level or is enrolled in a program leading to a professional degree; and<br/>(3) Has completed the equivalent of at least three years of full-time study either before entering the program or as part of the program itself.)

How do I access entrance counseling?

There are two ways to access entrance counseling:

1. Sign-in to StudentLoans.gov using your Federal Student Aid PIN

  • Select "Complete Counseling" on the left hand navigation bar
  • Select "Entrance Counseling" under "Choose Counseling Type"
  • If you sign in, you will be able to:

  • See your federal student loan information available in the National Student Loan Data System (NSLDS)
  • Notify schools of counseling completion
  • View proof of counseling completion


2. Select "Counseling Demo" on the StudentLoans.gov home page and select "Entrance Counseling" under "Choose Counseling Type"
  • You must log in to officially complete the counseling session. (option 1 above)
  • The "Counseling Demo" option is informational and allows school administrators to see counseling content without logging in

Will I be able to save my entrance counseling session and return at a later time to complete it?

No, your progress will not be saved if you navigate away from your Entrance Counseling session or logout of the StudentLoans.gov Web site.

Expand Section Button. Press enter twice to access the content in this section. Financial Awareness Counseling

What is Financial Awareness Counseling?

Financial Awareness Counseling provides tools and information to help you understand your financial aid and assist you in managing your finances. Topics include:

  • Understand Your Loans
  • Manage Your Spending
  • Plan to Repay
  • Avoid Default
  • Make Finances a Priority

Who can benefit from completing Financial Awareness Counseling?

Anyone who is currently paying for or planning to pay for higher education.

How do I access Financial Awareness Counseling?

There are two ways to access Financial Awareness Counseling:

1. Sign-in to StudentLoans.gov using your Federal Student Aid PIN

  • Select "Complete Counseling" on the left hand navigation bar
  • Select "Financial Awareness Counseling" under "Choose Counseling Type"
If you sign in, you will be able to:
  • See your federal student loan information available in the National Student Loan Data System (NSLDS)
  • Notify schools of counseling completion
  • View proof of counseling completion
2. Select "Counseling Demo" on the StudentLoans.gov home page and select "Financial Awareness Counseling" under "Choose Counseling Type"
  • You must log in to officially complete the counseling session. (option 1 above)
  • The "Counseling Demo" option is informational and allows school administrators to see counseling content without logging in

Will I be able to save my Financial Awareness Counseling session and return at a later time to complete it?

No, your session will not be saved if you navigate away from your Financial Awareness Counseling session or logout.

Expand Section Button. Press enter twice to access the content in this section. Exit Counseling (Required)

What is exit counseling?

Exit counseling provides important information you need to prepare to repay your federal student loan(s).

Topics include:

  • Understand Your Loans
  • Plan to Repay
  • Avoid Default
  • Make Finances a Priority

Who must complete exit counseling?

If you have received a subsidized, unsubsidized or PLUS loan(s) under the Direct Loan Program or the FFEL Program, you must complete exit counseling each time you:

  • Drop below half-time enrollment
  • Graduate
  • Leave school
Note: The FFEL Program ended July 1, 2010 and no new loans have been made under the FFEL Program after that date.

How do I complete exit counseling?

To complete exit counseling for subsidized/unsubsidized loans and PLUS Loans under the Direct Loan Program or the FFEL program:

  • Sign into this Web site using your Federal Student Aid PIN.
  • Use of another person's PIN constitutes fraud. Use only your own PIN information.
  • Select "Complete Counseling" found in the left navigation bar
  • Select "Exit Counseling" under "Choose Counseling Type"
  • Select the school(s) you want to notify of counseling completion

How do I access exit counseling?

There are two ways to access exit counseling:

1. Sign-in to StudentLoans.gov using your Federal Student Aid PIN

  • Select "Complete Counseling" on the left hand navigation bar
  • Select "Exit Counseling" under "Choose Counseling Type"
  • If you sign in, you will be able to:

  • See your federal student loan information available in the National Student Loan Data System (NSLDS)
  • Notify schools of counseling completion
  • View proof of counseling completion


2. Select "Counseling Demo" on the StudentLoans.gov home page and select "Exit Counseling" under "Choose Counseling Type"
  • You must log in to officially complete the counseling session. (option 1 above)
  • The "Counseling Demo" option is informational and allows school administrators to see counseling content without logging in

Will I be able to save my exit counseling session and return at a later time to complete it?

No, your progress will not be saved if you navigate away from your exit counseling session or logout of the StudentLoans.gov Web site.

Expand Section Button. Press enter twice to access the content in this section. Income-Based (IBR)/Pay As You Earn/Income-Contingent (ICR) Repayment Plan Requests

If you have questions about Income-Based (IBR)/Pay As You Earn/Income-Contingent (ICR) Repayment Plan Requests click here.

Expand Section Button. Press enter twice to access the content in this section. Direct Consolidation Loan Application Process

What is a Direct Consolidation Loan?

A Direct Consolidation Loan allows you to consolidate (combine) multiple federal education loans into one loan. Through your completion of the Federal Direct Consolidation Loan Application and Promissory Note, you will confirm the loans that you want to consolidate and agree to repay the new Direct Consolidation Loan. Once the consolidation is complete, you will have a single monthly payment on the new Direct Consolidation Loan instead of multiple monthly payments on the loans you consolidated.

More Direct Consolidation Loan information is available on StudentAid.gov.

How do I apply for a Direct Consolidation Loan?

Currently, the U.S. Department of Education has two online processes that borrowers use to apply for a Direct Consolidation Loan. The online process that you must use depends on whether you want to consolidate defaulted federal education loans that are assigned to the U.S. Department of Education for collection.

  • If you currently have no defaulted federal education loans that are assigned to the U.S. Department of Education for collection that you want to consolidate, you will complete the Direct Consolidation Loan application process on StudentLoans.gov. Go to Complete Direct Consolidation Loan Application and Promissory Note to begin the consolidation process.

  • If you currently have one or more defaulted federal education loans that are assigned to the U.S. Department of Education for collection and you want to consolidate the defaulted loans, you will not be able to complete the Direct Consolidation Loan application process on StudetLoans.gov. You must use a different process. If you want to consolidate one or more defaulted loans that are currently assigned to the U.S. Department of Education, go to http://loanconsolidation.ed.gov/ to begin the consolidation process.

Is there an option for me to apply for a Direct Consolidation Loan other than online?

Yes. If you prefer to complete a paper version of the Federal Direct Consolidation Loan Application and Promissory Note, go to Complete Paper Direct Consolidation Loan Application and Promissory Note.

Can I complete the Direct Consolidation Loan application process on StudentLoans.gov in more than one session?

No. You must complete the Federal Direct Consolidation Loan Application and Promissory Note in a single session. The session should take you approximately 30 minutes to complete.

What steps will I complete through the Direct Consolidation Loan application process on StudentLoans.gov?

You will complete the following steps:

  1. Review and select loans for consolidation and then choose the federal loan servicer you want to complete the consolidation and service your new Direct Consolidation Loan.

  2. Select your repayment plan.

    You should understand the details of the available repayment plans before you make a selection. General repayment plan information is available on StudentAid.gov.

    If you want to repay your Direct Consolidation Loan under the Income-Based Repayment (IBR) Plan, Pay As You Earn Plan, or Income-Contingent Repayment (ICR) Plan (these are called the "income-driven" plans), you will be able to electronically complete the IBR/Pay As You Earn/ICR Request. To repay under one of the income-driven plans, you must provide information about your income. As part of the income-driven repayment plan request process, you may be able to provide your income information by using the Internal Revenue Service (IRS) Data Retrieval Tool. If you are unable to transfer your income information from the IRS Data Retrieval Tool or if you do not believe that the Adjusted Gross Income (AGI) reported by the IRS accurately reflects your current income, you will be given instructions on how to submit a paper request and alternative documentation of your current income to the federal loan servicer that you choose to service your Direct Consolidation Loan.

  3. Read the Direct Consolidation Loan terms and conditions.

  4. Enter your personal and reference information.

  5. Review, electronically sign, and submit the completed Federal Direct Consolidation Loan Application and Promissory Note.

Must I continue to make payments on the loans I want to consolidate after I complete the Direct Consolidation Loan application process on StudentLoans.gov?

Yes. You must continue making payments, if required, to the holders or servicers of the loans you want to consolidate until your consolidation servicer informs you that the underlying loans have been paid off.

If I want to consolidate loans that are still in the grace period, will I enter repayment immediately after I complete the Direct Consolidation Loan application process on StudentLoans.gov?

Normally, when you consolidate your existing loan or loans into a new Direct Consolidation Loan, you will be required to start repayment of your new consolidation loan immediately. However, if any loan you want to consolidate is still in a grace period, you can delay entering repayment on your new Direct Consolidation Loan until closer to your grace period end date by indicating the length of time you would like to delay processing.

During the application process, we will ask you if you want your consolidation servicer to begin processing your application upon receipt or to delay processing. If you want your consolidation servicer to delay processing, you'll select the number of months you want the servicer to wait before starting to process your application.

What will happen after I complete the Direct Consolidation Loan application process on StudentLoans.gov?

We will send your Federal Direct Consolidation Loan Application and Promissory Note to the federal loan servicer you choose to complete the consolidation and service your new Direct Consolidation Loan.

Your unique situation will determine whether you, or in some cases your spouse, must complete other actions.

  • If you select the Standard, Graduated, Extended Fixed, or Extended Graduated repayment plan, you will not need to take additional action. We will email you and explain that your consolidation servicer will contact you after reviewing your application and your eligibility for the repayment plan you selected.

  • If you are not required to complete a paper IBR/Pay As You Earn/ICR Request with alternative documentation as part of your Direct Consolidation Loan Application, you will not need to take additional action. We will email you and explain that your consolidation servicer will contact you after reviewing your application and your eligibility for the repayment plan you selected.

  • If you are required to complete a paper IBR/Pay As You Earn/ICR Request with alternative documentation as part of your Direct Consolidation Loan Application, you will need to take action. You must complete and submit the paper IBR/Pay As You Earn/ICR Request and alternative documentation to your consolidation servicer. We will remind you through an email that you can return to StudentLoans.gov and select "Direct Consolidation Loan Applications" located on the left navigation bar under "My Loan Documents" to print the paper request and your consolidation servicer's address information. Once your consolidation servicer receives the paper request and documentation from you, the servicer will contact you after reviewing your application and your eligibility for the repayment plan you selected.

  • If you select an income-driven repayment plan--IBR, Pay As You Earn, or ICR--and indicate that you have a spouse who must sign the IBR/Pay As You Earn/ICR Request portion of your Direct Consolidation Loan Application, your spouse will need to take action before you submit your application or within seven (7) days after you submit your application. If your spouse is unable to co-sign the IBR/Pay As You Earn/ICR Request portion of your application at the time of submission, we will place your Direct Consolidation Loan Application in a "Pending" status for seven (7) days. During this time, your spouse will need to sign in to StudentLoans.gov and co-sign your request. We will provide you with the information your spouse will need to access your request and co-sign it.

    After your spouse co-signs the IBR/Pay As You Earn/ICR Request portion of your Direct Consolidation Loan Application, we will email you. If you are required to complete a paper IBR/Pay As You Earn/ICR Request with alternative documentation as part of your consolidation application, you will need to take action after your spouse co-signs. We will remind you of the steps you may need to complete when we email you.

    Note: Your Direct Consolidation Loan Application will change to an expired status if your spouse does not co-sign within seven (7) days, and you will need to submit a new application if you want to apply for a consolidation loan.

Who will I work with after I complete the Direct Consolidation Loan application process on StudentLoans.gov and my application is sent to my consolidation servicer?

Once we send your Direct Consolidation Loan Application and Promissory Note package to the consolidation servicer you select, you will work with your servicer for all consolidation-related needs.

  • If you have questions about your Direct Consolidation Loan Application, contact your consolidation loan servicer for more information.

  • If you want to cancel your Direct Consolidation Loan Application, contact your consolidation loan servicer for more information.

  • If you want to add additional loans to your Direct Consolidation Loan Application, you may do so within 180 days after your new consolidation loan is made without having to submit a new Direct Consolidation Loan application. Contact your consolidation loan servicer for more information.

What will my consolidation servicer do with my application?

Unless you are consolidating at least one loan that is in a grace period and request that your consolidation servicer delay processing your Direct Consolidation Loan, your servicer will begin by reviewing your application and your eligibility for the repayment plan you selected. Your servicer will contact you and let you know if additional information is needed to complete the processing of your consolidation application. Your servicer will also contact each holder of the loans you want to consolidate to verify that the loans are eligible for consolidation and to confirm the payoff amount. Your servicer will let you know in writing before paying off the loans. Finally, after the loans are paid off, your servicer will communicate and work with you to ensure the successful repayment of your new Direct Consolidation Loan.

If you are consolidating at least one loan that is in a grace period and request that your consolidation servicer delay processing your Direct Consolidation Loan until closer to the end of the grace period, your servicer will not start processing your consolidation application until the date that displays on your application after you select the number of months in the dropdown box. At the appropriate time, your servicer will complete the actions explained in the first paragraph.

Note: In all cases, it is critical that you continue to make payments, if required, to the holders or servicers of the loans you want to consolidate until your consolidation servicer informs you that the underlying loans have been paid off.

Can I view my documents after I complete the Direct Consolidation Loan application process on StudentLoans.gov?

Yes. To view your Direct Consolidation Loan Application and associated IBR/Pay As You Earn/ICR Request, if applicable, return to StudentLoans.gov and select "Direct Consolidation Loan Applications" located on the left navigation bar under "My Loan Documents".

Expand Section Button. Press enter twice to access the content in this section. Other

Who do I contact to get more information regarding my loan status?

Your school will tell you what loans, if any, you are eligible to receive. If you have questions regarding your loan eligibility, the next steps in the processing of your loan, when the loan will be disbursed (paid out), or no longer wish to receive the loan, contact your school's financial aid office.

Once you receive the first disbursement of your loan, contact your loan servicer with repayment questions.

Who do I contact to get more information regarding loan repayment, deferment or forbearance?

Contact your loan servicer if you have questions regarding loan repayment, deferment, or forbearance. Select "Additional Information" on the "Contact Us" page, or click here to access the list of servicers and their contact information.

How do I make payments on my loan?

Contact your loan servicer with questions about repayment.

Who is my loan servicer?

Direct Loan borrowers are assigned a loan servicer after the first disbursement of their loan. Your loan servicer will contact you directly after you receive your first disbursement. Contact your loan servicer with questions about repayment. For a list of loan servicers, select "Additional Information" on the "Contact Us" page to access the list of servicers and their contact information or click here.

What if I do not have a Federal Student Aid PIN?

If you do not have a Federal Student Aid PIN, visit www.pin.ed.gov Use of another person's PIN constitutes fraud. Use only your own PIN information..