ELECTRONIC PROMISSORY NOTE

If you have a Federal Direct Student Loan which has an origination acceptance by the Loan Origination Center, an Electronic Master Promissory Note (E-MPN) must be completed. By completing the Electronic Master Promissory Note you will eliminate the signing of future notes. 

Your E-MPN will be transmitted directly to the United States Department of Education through a secure server. After submission you will be given instructions on how to print a copy of the E-MPN.

If you exit the E-MPN process before submission you will have to start from the beginning when you re-enter. Please have the following information in front of you prior to beginning the E-MPN process so that you don't have to exit before completing the E-MPN:

1. Your PIN from the United States Department of Education. If you do not have a PIN you will be given the option of going to the PIN web site to obtain a PIN.
2. Your permanent address and telephone number.
3. Your e-mail address (optional). If you have an e-mail address we strongly suggest that you provide it so you will receive an e-mail confirmation of your E-MPN submission.
4. Your full legal name and Social Security Number (you may wish to have your Social Security card in front of you).
5. Your Driver's license number, if applicable (you may wish to have your Driver's license in front of you).
6. Complete name, addresses, and telephone numbers of two references who have known you for at least three years. One reference should be a parent or legal guardian if available. The references must be two different people at different addresses within the United States.
7. If you are a first time borrower* under the Federal Stafford Direct Loan Program you will also need to complete Direct Loan entrance loan counseling. 

We are very please to be able to offer you the opportunity to complete the E-MPN that will help to simplify the financial aid process for you. Should you, however, wish to complete a paper MPN rather than the E-MPN, please contact our office at (410) 704-4236 and request a paper MPN. Allow approximately two weeks for receipt of the paper copy.

*A first time borrower is defined as someone who has not received a Federal Direct Subsidized, Federal Direct Unsubsidized, Federal Stafford, or Federal SLS loan since the 1993-94 academic year.