贷款流程 & 本票交割

In addition to accepting loans as part of your financial aid award, loan borrowers have additional processes that need to be completed in order to have loan funds available.

本票

The master promissory note (MPN) is a legal document. It is your promise to use the money for educational purposes and to repay the loan.

Borrowers complete the appropriate promissory note for 每个贷款项目 他们通过 网上评奖流程.

New student borrowers will need to complete promissory notes. Returning students can always sign on到 individual promissory websites linked below to check to see if they have a completed, 存档的有效本票.

  • Federal Direct Subsidized and Unsubsidized 贷款: mpn应该是 completed with the Department of Education (ED) online after accepting the loan on your award offer within 催化剂. You will have to "log in" 到 federal student loan website using your FSA ID username and password and follow the appropriate links.

  • 联邦直接父母加贷款: Parents or step-parents of dependent students can borrow the 联邦家长附加贷款. Parent borrowers must pass a credit check when these loans are processed. 
    • “登录” studentaid.政府, and online tabs will provide links for the Parent PLUS application (credit check) and MPN processes.
    • The application (credit check) will need to be completed each year the parent wishes to borrow.
    • 更多详细信息请访问 父PLUS进程 也是可用的.
  • 联邦直接毕业生PLUS贷款: Graduate students are the borrowers of the 联邦毕业生PLUS贷款. 虽然这是学生贷款, graduate student borrowers must pass a credit check to secure funding under this program.
    • “登录” studentaid.政府, and the tab "in school" will provide links for the PLUS application for graduate school (credit check) and MPN processes.
    • The application (credit check) will need to be completed each year the student wishes to borrow.
    • 更多详细信息请访问 研究生PLUS流程 也是可用的.
  • Nursing or Health Professions Student 贷款: These loans are managed through UC on behalf of the Department of Health and Human Services rather than the Department of Education. Students awarded these loans will need to accept them as part of their award offer in 催化剂. Within 48 hours, the student will then be assigned To Do items within 催化剂，包括适当的MPN. 

All documents for the Nursing or Health Professions Student 贷款 must be completed and submitted before the loans can be disbursed.

Federal loans all use Master 本票 (MPNs). These open-ended loan documents allow multiple year borrowing for that individual loan program.

If a Master 本票 has a disbursed loan attached to it within a year of signing by the borrower, it is then active for 10 years of borrowing thereby making the aid process much easier in subsequent years.

However, while the promissory note allows for multiple years, the FAFSA必须每年完成 尽可能早在10月1日以后.

贷款入学辅导

First-time UC Subsidized and Unsubsidized Loan borrowers and new Graduate PLUS Loan borrowers also must receive detailed information on the responsibilities of taking out an educational loan prior 到 arrival of loan funds. 20-30分钟 网上贷款咨询 完成这个要求.

If this federal requirement is not met, loan monies received for the student will not be able to be 适用于学生账单.

不E: Financial Awareness Counseling on the same Website, while a helpful tool with valuable information, is 不  the same as required 贷款入学辅导. Be sure to select the appropriate counseling session.

贷款的到来

贷款, like other aid, will appear as anticipated aid prior 到 start of the term. Ten days prior 到 term, funds will begin posting on bills based on 资格.

While anticipated aid will show simply by accepting loan funds on the award offer, posting 到 bill will occur only if you have completed the appropriate promissory note and any required entrance counseling. 贷款将会 应用 到 在线账单 approximately 10 days prior 到 start of each term assuming all steps above have been completed and 招生 认为学生符合资格.

Anticipated aid will appear on bills prior 到 beginning of a term. Borrowers must ensure they have completed loan counseling and promissory notes in order to make these estimates a reality. Students must also be in good academic standing and be registered for at least 半场 (or 正规博彩平台) to be eligible for their loan funds for the term.

贷款历史回顾

The FAFSA Submission Summary received after you file your annual FAFSA details your aggregate (total) loan borrowing to date.

另外, loan borrowers (both students and parents) can use the optional student loan acknowlegement process at any time to understand how much you have borrowed and anticipate repayment costs. 虽然不是必需的过程, many borrowers find an annual review helpful in better understanding their loan use and plan for future borrowing as federal student loans also have 总借款限额.