Step 1. Complete a Direct Loan Master Promissory Note
First-Time Federal Direct Loan Borrowers must complete a Direct Loan Master Promissory Note (MPN). The MPN is the legal document through which you promise to repay your Direct Loans and any accrued interest and fees.
Complete your MPN electronically at StudentLoans.gov. You will use the Federal Student Aid PIN that you used to complete the Free Application for Federal Student Aid (FAFSA). For customer service regarding a previously assigned PIN, visit www.PIN.ed.gov.
Step 2. Complete Direct Loan Entrance Counseling
First-Time Federal Direct Loan Borrowers must complete Direct Loan Entrance Counseling. Entrance Counseling provides information on what it means to borrow funds and your responsibility towards repayment.
Complete Direct Loan Entrance Counseling electronically at StudentLoans.gov. You will use the Federal Student Aid PIN that you used to complete the Free Application for Federal Student Aid (FAFSA). For customer service regarding a previously assigned PIN, visit www.PIN.ed.gov.
Step 3. Attend a Debt Management Workshop
Step 4. Request a Loan