You are here: Home > Offices > Financial Aid

Federal Direct Loans Q&A

Do I have to complete a new Electronic Master Promissory Note (E-MPN) and Entrance Counseling session? If so, when should I do this?

How do I sign my E-MPN and do the Entrance Counseling online?

If I have already completed a Direct Loan E-MPN for another school, do I still need to complete one for Liberty University?

What if I cannot log in to complete the Entrance Counseling and E-MPN at www.studentloans.gov?

How do I complete a Parent or Grad PLUS loan?

How do I appeal a credit decision on a PLUS loan?

What will happen to the existing loans that I have borrowed from other lenders?

If I change federal loan programs, will I have to start repaying my other federal loans?

Where can I find Direct Loan information online?

How can I find the servicer for my federal student loans?


How do I sign my E-MPN and do the Entrance Counseling online?

You will need your federal personal identification number (PIN). The U.S. Department of Education recognizes your PIN as a secure and legal signature. Retrieve or request your PIN here.

 

If I have already completed a Direct Loan E-MPN for another school, do I still need to complete one for Liberty University?

As long as you have been continuously enrolled at least half-time (6 credit hours undergraduate and masters; 3 credit hours doctoral studies), you will not have to complete a new Direct Loan E-MPN. If you have had a break in your enrollment, however, a new E-MPN will be necessary. In either case, you still have to complete Entrance Counseling.

 

What if I cannot log in to complete the Entrance Counseling and E-MPN at www.studentloans.gov?

The U.S. Department of Education is working to expand browser compatibility, but until then, students must use Internet Explorer 6 or later, or Mozilla Firefox 2.0 or later to complete their Entrance Counseling and E-MPN.

 

How do I complete a Parent or Grad PLUS loan?

Sign-in with your information at www.studentloans.gov. Select "Request PLUS Loan" from the options on the left side of the page, choose the type of loan you plan to apply for and complete the application.

 

How do I appeal a credit decision on a PLUS loan?

Liberty University will not process a credit decision on any Federal PLUS loans and will only accept the official credit decision offered by the U.S. Department of Education. Should a borrower wish to appeal a credit decision, they should:

  • Contact Application Services at (800) 557-7394 to speak with a representative from the U.S. Department of Education — Mon.-Fri., 8 a.m.-8 p.m. (ET).

    -or-
  • Find an endorser for the loan and complete an official endorser addendum located on the federal website. This must be submitted with the ticket number assigned to you by the U.S. Department of Education Application Services Department.

 

What will happen to the existing loans that I have borrowed from other lenders?

After graduation you have a choice: you may either make individual payments to your previous lender(s) and to the U.S. Department of Education, or you can consolidate your loans into one payment with the U.S. Department of Education through a Federal Direct Consolidation Loan.

 

If I change federal loan programs, will I have to start repaying my other federal loans?

No, your other federal loans will not have to be repaid as long as you remain enrolled at least half-time.

 

Where can I find Direct Loan information online?

How can I find the servicer for my federal student loans?