An electronic Master Promissory Note (MPN) can be completed in 9 steps. Read the information below to understand how the electronic MPN process works. We estimate that it will take 30 minutes to complete the electronic MPN process. Make sure you allow enough time to complete the entire process in a single session. If you exit this web site before submitting your signed MPN in Step 8 and return later, you'll have to start over beginning with Step 1.

We recommend printing this page in order to help you get the required information together before starting the electronic MPN process. You may cancel this process at any time before submitting your electronic MPN in STEP 8.

Remember, by signing an MPN you are agreeing to pay back Direct Subsidized Loans, Unsubsidized Loans and/or Graduate PLUS Loans that you receive to pay for your education, or any Direct Parent PLUS Loans that you receive to pay for your child's education.

	PIN Registration - You will first be transferred to the U.S. Department of Education's PIN site to confirm your identity. If you do not have a PIN, please visit the U.S. Department of Education's PIN Site to find out how to obtain one, or visit the school's financial aid office to complete a paper MPN.
	Disclosure and Consent - When you return to the electronic MPN web site, you will be asked to read information about using an electronic MPN and to tell us whether or not you agree to use an electronic MPN.
	PROVIDE NAME AND SCHOOL (for Student Subsidized, Unsubsidized and Graduate PLUS Loans) - You will be asked to provide your full legal name and school information. You will be able to review and modify this information if necessary before it is added to your electronic MPN. OR PROVIDE NAME, STUDENT'S INFORMATION, AND SCHOOL (for Parent PLUS Loans) - You will be asked to provide your full legal name, the student's full legal name, the student's social security number, the student's date of birth, and school information. You will be able to review and modify this information if necessary before it is added to your electronic MPN.
	COMPLETE MPN - During this step, you will be asked to provide the remaining information necessary to complete your MPN. This will include your permanent address, driver's license number and state, email address (if you have one) and telephone number. You will also be asked to provide the names, addresses and telephone numbers of two references who have known you for at least three years.
	REVIEW/READ DRAFT MPN - You will be asked to review/read a draft version of the MPN that will include the information you provided in Step 4 and important information about the loan(s) you may receive under your MPN. Before you continue with the electronic MPN process, you must confirm that you have read the draft MPN, which includes the Borrower's Rights and Responsibilities.
	SIGN YOUR MPN - You will be asked to review the Promise to Pay section of the MPN and then electronically sign the MPN by typing in your full name. You will still have the opportunity at this point to modify the information you provided or to cancel the electronic MPN process.
	REVIEW SIGNED MPN/ENTER CONFIRMATION CODE - You will be shown a completed MPN that includes your electronic signature. Before you can continue with the electronic MPN process, you must confirm that you have read the completed MPN.
	CONFIRM ACCEPTANCE OF MPN TERMS AND SUBMIT MPN - You will be asked to confirm that you agree to the terms and conditions of your MPN. You will also be given a final opportunity to cancel or modify your MPN. If you agree to the terms and conditions of the MPN, you may complete the electronic MPN process by submitting your MPN to the U.S. Department of Education.
	SUCCESS! NOW PRINT YOUR MPN - Your MPN is now complete. This page will provide instructions for: Printing and/or saving a copy of your completed MPN for your records Retrieving a copy of your completed MPN at a later date Asking us to send you a copy of your completed MPN Clearing your browser to remove your personal information from the computer you used to complete your electronic MPN