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Financial Aid

Direct Lending for Student and Parent Loans

Steps to complete the student loan application

Students who are new to EMU or have not borrowed a Direct Loan before must complete a Federal Direct Loan Master Promissory Note (MPN) and Entrance Counseling.

  1. Complete the FAFSA.
  2. Complete the Undergraduate Loan Request Form 17-18, Undergraduate Loan Request Form 18-19 or Graduate Loan Request Form 17-18 or Graduate Loan Request Form 18-19
  3. Complete the Master Promissory Note (MPN) and entrance counseling at

Steps to complete a federal parent or graduate PLUS loan

If you borrowed a PLUS loan at EMU in the 2016-2017 school year you do not need to complete a new Master Promissory Note (MPN).

  • Complete the Request for Direct PLUS and Master Promissory Note (MPN) at
  • If you want EMU to complete a credit check with the department of Education before completing a PLUS MPN complete and return the Credit Check Permission Form

Contact info for Direct Loan Services

The Department of Education Direct loan Program Customer Service phone number is 800-848-0979. For information on direct loan account information visit

You may also contact EMU financial aid officers with additional questions.