All Student Loan Borrowers: All students who wish to borrow Federal Subsidized or Unsubsidized Loans for any upcoming semesters must complete a new Master Promissory Note.

What do I need to do to complete the MPN?

1. Complete the Direct Loan MPN
2. Click the green Sign In button
3. Login using your SSN, First 2 character of last name, Date of Birth, and FAFSA PIN
4. In the middle of the page Click on Complete Master Promissory Note
5. Select Subsidized/Unsubsidized
6. Follow the steps until finished

You will need your FAFSA PIN, two references, complete with street address, city, state, zip, phone, and if applicable email address. References are not co-signers, they are people who can assist the department of education should they need to reach you regarding questions on your loan.

If you need additional funds please contact the financial aid office in order to determine if you have remaining eligibility. You will be required to fill out the Supplemental Loan Request Form

All Student Loan Borrowers: All students who wish to borrow Federal Subsidized or Unsubsidized Loans for any upcoming semesters must complete the online Entrance Counseling Exam.

What do I need to do to complete the Entrance Counseling?

1. Complete the Direct Loan Entrance Counseling Exam
2. Click the green Sign In button
3. Login using your SSN, First 2 character of last name, Date of Birth, and FAFSA PIN
4. In the middle of the page Click on Complete Entrance Counseling link
5. Click on Complete Entrance Counseling link
6. Select I am an undergraduate student
7. Continue the steps until finished.  The last step after finishing the quiz you must click on the Rights and Responsibilities link in order to finish the counseling.

Federal PLUS Loans enable parents with good credit histories to borrow in order to pay the education expenses of their children. To be eligible, the child must be a dependent undergraduate student enrolled at least half time. The yearly borrowing limit on the PLUS loan is equal to your cost of education minus any other financial aid you receive.

The interest rate is 8.5%. The borrower may also pay a loan fee of 3% of the amount borrowed, which is deducted from each disbursement. The loan fee is paid to the lending institution. Repayment generally begins at 60 days after the final loan disbursement. There is no grace period. This means that the interest begins to accumulate at the time of the first disbursement and repayment of both interest and principal begins while the student is in school.
What do I need to do to apply?

1. Complete the Direct Loan MPN
2. Click the Proceed to eMPN Login icon (enter in parents information)
3. Follow the directions until finished

The parent applying for the loan will need their FAFSA PIN,  the students SSN, date of birth, two references, complete with street address, city, state, zip, phone, and if applicable email address. References are not co-signers, they are people who can assist the department of education should they need to reach you regarding questions on your loan.

All students who graduate, drop below ½ time, and/or withdraw from Northwest State and have borrowed student loans must complete the online Exit Counseling. You will be notified by the Financial Aid Office once you need to complete this process.

Please click on the link below and follow the steps.

1. Exit Counseling
2. Enter your information to Login
3. Follow the directions until finished