Federal Student Aid, an office of the U.S. Department of Education: Proud sponsor of the American mind. Federal Student Aid, an office of the U.S. Department of Education: Proud sponsor of the American mind.

WHAT YOU NEED

Site Requirements

To view this Web site effectively, you will need one of the following supported browsers from Microsoft, Google, Mozilla, or Apple. Use the following links to download and install the appropriate browser.

Supported browsers: The latest release for Microsoft Internet Explorer, Google Chrome, Apple Safari, and Mozilla Firefox.

For Windows:

For Apple Macintosh:

If you are using a browser that is not supported, your view and interaction with this site may be significantly impaired.

Note: To identify the browser currently running on your computer, use the "Help" menu item on your browser and select "About [your browser name here]".


To view or print a completed Master Promissory Note (MPN), you will need the free Adobe Acrobat Reader.

Adobe Acrobat Reader


You must have an FSA ID to access all services offered by this Web site. The FSA ID serves as your identifier to let you access your personal information in various U.S. Department of Education systems. The FSA ID also allows you to sign your Free Application for Federal Student Aid (FAFSAŽ), online and allows you to correct your application data online.    

My Documents

To view previously completed documents, electronic correspondence or verification of completed counseling you will need your FSA ID.

  • Students must log in using their own FSA ID.
  • Parents must log in using their own FSA ID.
  • Endorsers must log in using their own FSA ID.

Counseling

If you have not previously received a Direct Loan or Federal Family Education Loan (FFEL), the Federal Government requires you to complete entrance counseling to ensure that you understand the responsibilities and obligations you are assuming.

If you complete entrance counseling to borrow a loan as an undergraduate student , then the entrance counseling fulfills counseling requirements for Direct Subsidized Loans and Direct Unsubsidized Loans.

If you complete entrance counseling to borrow a loan as a graduate or professional student , the entrance counseling fulfills counseling requirements for Direct Subsidized Loans, Direct Unsubsidized Loans, and Direct PLUS Loans.

Your school may have alternate entrance counseling requirements. Check with your school's financial aid office to be sure that the counseling available on this Web site satisfies its requirements for entrance counseling.

To complete Entrance Counseling as an undergraduate student or graduate/professional student, you will need:


Approximately 20-30 minutes to complete.

  • Entrance Counseling must be completed in a single session.

Your FSA ID

  • Create an FSA ID if you are a new user or Manage My FSA ID if you have forgotten your username or password.
  • Students must log in using their own FSA ID to complete Entrance Counseling.
Use of another person's FSA ID constitutes fraud. Use only your own FSA ID information.

Name(s) of the school(s) you wish to notify of counseling completion


Useful Information to Have

Any details on your income, financial aid, and living expenses. Some of this information can be found in:

  • Your student account information
  • A copy of the award letter from your school's financial aid office (if you have received it)
  • A listing of the tuition and fees for your school. Visit CollegeNavigator.gov
If you log in, you will be able to:
  • See your federal student loan information available in the National Student Loan Data System (NSLDS)
  • Officially complete the counseling session
  • Notify schools of counseling completion
  • View proof of counseling completion
If you do not log in, Entrance Counseling can be completed but not submitted.

Parents borrowing a Direct PLUS Loan to pay for their child's education are not required to complete entrance counseling.

Financial Awareness Counseling provides tools and information to help you understand your financial aid and assist you in managing your finances.


To complete Financial Awareness Counseling, you will need:


Approximately 20-30 minutes to complete.

  • Financial Awareness Counseling must be completed in a single session.

Your FSA ID

  • Create an FSA ID if you are a new user or Manage My FSA ID if you have forgotten your username or password.
  • Students must log in using their own FSA ID to complete Financial Awareness Counseling.
Use of another person's FSA ID constitutes fraud. Use only your own FSA ID information.

Name(s) of the school(s) you wish to notify of counseling completion


Useful Information to Have

Any details on your income, financial aid, and living expenses. Some of this information can be found in:

PLUS Credit Counseling will help students and parents understand the obligations associated with borrowing a PLUS loan and assist them in making careful decisions about taking on student loan debt.

PLUS Credit Counseling is required if the U.S. Department of Education has informed you that you have an adverse credit history and you have:

  • Obtained an endorser or
  • Documented extenuating circumstances to the satisfaction of the U.S. Department of Education.

PLUS Credit Counseling can be completed voluntarily at any time.

  • If PLUS Credit Counseling is completed voluntarily and you are determined to have an adverse credit history by the U.S. Department of Education within 30 days of PLUS Credit Counseling completion, your PLUS Credit Counseling requirement will be considered to be fulfilled.

To complete PLUS Credit Counseling, you will need:


Approximately 15-20 minutes to complete.

  • PLUS Credit Counseling must be completed in a single session.

Your FSA ID

  • Create an FSA ID if you are a new user or Manage My FSA ID if you have forgotten your username or password.
  • You must log in using your own FSA ID to complete PLUS Credit Counseling.

Use of another person's FSA ID constitutes fraud. Use only your own FSA ID information.


Useful Information to Have

Any details on your income, financial aid, and living expenses. Some of this information can be found in:

Exit counseling provides important information you need to prepare to repay your federal student loan(s).

If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, you must complete exit counseling each time you:

  • Drop below half-time enrollment
  • Graduate
  • Leave School

Note: The FFEL Program ended June 30, 2010 and no new loans have been made under the FFEL Program after that date.

At the end of the exit counseling session, you will be asked for information that will be included as part of your loan records. You must provide the following:

  • Names, addresses, e-mail addresses and phone numbers for:
    • Your next of kin
    • Two references who live in the U.S.
    • Your future employer (if known)

Your school may have alternate exit counseling requirements. Check with your schools financial aid office to be sure that the exit counseling available on this Web site satisfies its requirements for exit counseling.

To complete Exit Counseling, you will need:


Approximately 20-30 minutes to complete.

  • Exit Counseling must be completed in a single session.

Your FSA ID

  • Create an FSA ID if you are a new user or Manage My FSA ID if you have forgotten your username or password.
  • Students must log in using their own FSA ID to complete Exit Counseling.
Use of another person's FSA ID constitutes fraud. Use only your own FSA ID information.

Name(s) of the school(s) you wish to notify of counseling completion


Useful Information to Have

Any details on your income, financial aid, and living expenses. Some of this information can be found in:

Master Promissory Note (MPN)

The Master Promissory Note (MPN) is a legal document in which you promise to repay your loan(s) and any accrued interest and fees to the U.S. Department of Education. It also explains the terms and conditions of your loan(s). Unless your school does not allow more than one loan to be made under the same MPN, you can borrow additional Direct Loans on a single MPN for up to 10 years.

Your school will tell you what loans, if any, you are eligible to receive.

Students who need to complete a Master Promissory Note (MPN) will need:

Approximately 30 minutes to complete.

  • The MPN must be completed in a single session.

Your FSA ID

  • Create an FSA ID if you are a new user or Manage My FSA ID if you have forgotten your username or password.
  • Students must log in using their own FSA ID to complete Master Promissory Notes (MPNs).

Use of another person's FSA ID constitutes fraud. Use only your own FSA ID information.


Personal Information

  • Permanent Address
  • Mailing Address (if different from permanent address)
  • U.S. Address (if permanent and mailing addresses are foreign)
  • Telephone Number
  • E-mail Address

Employer's Information

  • Employer's Name
  • Employer's Address
  • Employer's Telephone Number

Reference Information

Reference Information for two people with different U.S. addresses who have known you for at least 3 years.

  • Name of each reference
  • Address of each reference
  • E-mail address for each reference
  • Telephone number for each reference
  • Relationship of each reference to the borrower

If you have previously completed either a Direct Loan MPN or a Direct PLUS Loan Application, some of this information may be populated for you. You should review all populated information carefully for accuracy.


Download an accessible PDF version of the Master Promissory Note (MPN) for Direct Subsidized/Unsubsidized Loans.

Download an accessible PDF version of the Direct PLUS Loan Master Promissory Note (MPN).

Parents who need to complete a Master Promissory Note (MPN) will need:

Approximately 30 minutes to complete.

  • The MPN must be completed in a single session.

Your FSA ID

  • Create an FSA ID if you are a new user or Manage My FSA ID if you have forgotten your username or password.
  • Parents must log in using their own FSA ID to complete Direct PLUS Master Promissory Notes (MPNs).

Use of another person's FSA ID constitutes fraud. Use only your own FSA ID information.


Personal Information

  • Permanent Address
  • Mailing Address (if different from permanent address)
  • U.S. Address (if permanent and mailing addresses are foreign)
  • Telephone Number
  • E-mail Address
  • Alien Registration Number (if you are an eligible non-citizen)

Employer's Information

  • Employer's Name
  • Employer's Address
  • Employer's Telephone Number

Reference Information

Reference Information for two people with different U.S. addresses who have known you for at least 3 years. You may not list the student for whom you are borrowing this loan.

  • Name of each reference
  • Address of each reference
  • E-mail address for each reference
  • Telephone number for each reference
  • Relationship of each reference to the borrower

Student Information

  • Student's name
  • Student's social security number
  • Student's date of birth
  • Student's address
  • Student's telephone number

If you have previously completed either a Direct Loan MPN or a Direct PLUS Loan Application, some of this information may be populated for you. You should review all populated information carefully for accuracy.


Download an accessible PDF version of the Direct PLUS Loan Master Promissory Note (MPN).

Apply for a PLUS Loan

The Direct PLUS Loan Application provides the school information needed to create your Direct PLUS Loan. You should verify with the school's financial aid office that this is the process they want you to use; some schools may have their own Direct PLUS Loan process.

Your school will tell you what loans, if any, you are eligible to receive.

Direct PLUS Loans are loans for parents of dependent undergraduate students and for graduate/professional students. Direct PLUS Loans help pay for educational expenses up to the cost of attendance minus all other financial assistance. Interest is charged during all periods.

To qualify for a Direct PLUS Loan, you must be:

  • A graduate or professional student,
  • The biological or adoptive parent of the student, or
  • The spouse of the parent and your income and assets were reported on the Free Application for Federal Student Aid (FAFSAŽ), or would be reported if a FAFSAŽ were filed.

Graduate/professional students who need to complete a Direct PLUS Loan Application will need:

Approximately 20 minutes to complete the Direct PLUS Loan Application

  • The Direct PLUS Loan Application must be completed in a single session.

Your FSA ID


Reference Information

Reference Information for two people with different U.S. addresses who have known you for at least 3 years.

  • Name of each reference
  • Address of each reference
  • E-mail address for each reference
  • Telephone number for each reference
  • Relationship of each reference to the borrower

Personal Information

  • Permanent Address
  • Mailing Address (if different from permanent address)
  • U.S. Address (if permanent and mailing addresses are foreign)
  • Telephone Number
  • E-mail Address

Employer's Information

  • Employer's Name
  • Employer's Address
  • Employer's Telephone Number

If you have previously completed either a Direct Loan MPN or a Direct PLUS Loan Application, some of this information may be populated for you. You should review all populated information carefully for accuracy.

Parents of dependent undergraduate students who need to complete a Direct PLUS Loan Application will need:


Your FSA ID


Reference Information

Reference Information for two people with different U.S. addresses who have known you for at least 3 years. You may not list the student for whom you are borrowing this loan.

  • Name of each reference
  • Address of each reference
  • E-mail address for each reference
  • Telephone number for each reference
  • Relationship of each reference to the borrower

Student Information

  • Student first name, middle initial and last name
  • Student social security number
  • Student date of birth
  • Student address
  • Student telephone number

Personal Information

  • Permanent Address
  • Mailing Address (if different from permanent address)
  • U.S. Address (if permanent and mailing addresses are foreign)
  • Telephone Number
  • E-mail Address
  • Alien Registration Number (if you are an eligible non-citizen)

Employer's Information

  • Employer's Name
  • Employer's Address
  • Employer's Telephone Number

If you have previously completed either a Direct Loan MPN or a Direct PLUS Loan Application, some of this information may be populated for you. You should review all populated information carefully for accuracy.

Endorser Addendum

A Direct PLUS Loan borrower with an adverse credit history may still receive a Direct PLUS Loan if he/she obtains an endorser who does not have an adverse credit history and the borrower completes PLUS Credit Counseling. The endorser is responsible for repaying the Direct PLUS Loan if the borrower does not.

To complete an Endorser Addendum, you will need:

Approximately 30 minutes to complete.

  • Endorser Addendum must be completed in a single session.

Your FSA ID

Use of another person's FSA ID constitutes fraud. Use only your own FSA ID information.

Borrower's Last Name and either the Endorser Code OR the Award ID

  • The borrower will provide you with the endorser code or an award identification number

Personal Information

  • Permanent Address
  • Mailing Address (if different from permanent address)
  • U.S. Address (if permanent and mailing addresses are foreign)
  • Telephone Number
  • E-mail Address
  • Alien Registration Number (if you are an eligible non-citizen)

Employer's Information

  • Employer's Name
  • Employer's Address
  • Employer's Telephone Number

Reference Information

Reference Information for two people with different U.S. addresses who have known you for at least 3 years. Do not list the Direct PLUS Loan borrower or the dependent undergraduate student as a reference.
  • Name of each reference
  • Address of each reference
  • E-mail address for each reference
  • Telephone number of each reference

If you have previously completed either a Direct Loan MPN or a Direct PLUS Loan Application, some of this information may be populated for you. You should review all populated information carefully for accuracy.


To obtain an accessible PDF version of the Endorser Addendum for a Federal Direct PLUS Loan Master Promissory Note (MPN), contact the Student Loan Support Center via Phone, Email, or Live Chat. Contact information is available on the Contact Us page.

Document Extenuating Circumstances (Appeal)

If you have received an adverse credit decision, you may still be eligible to receive a Direct PLUS Loan.

To become eligible, you may take one of the following actions:

  1. Obtain an endorser and complete PLUS Credit Counseling.
    • An endorser is someone who does not have an adverse credit history and agrees to repay the loan if you do not repay it.
    • If you are a parent borrower, the endorser may not be the student on whose behalf you are requesting the Direct PLUS Loan.
  2. Document to the satisfaction of the U.S. Department of Education that:
    • The information causing the adverse credit decision is incorrect.
    • OR

    • There are extenuating circumstances relating to the adverse credit history. (Note: Endorsers aren't eligible for this option.)

      AND

    • Complete PLUS Credit Counseling

Provide a statement that contains an explanation of your extenuating circumstances and the documentation applicable/appropriate to support your claim.

The Secretary is able to use discretion and, based on your circumstances, consider whether extenuating circumstances allow you to qualify for a loan.

  • The information below is a non-exhaustive list of examples of extenuating circumstances.
  • If you believe that your situation fits within these examples, or presents a situation that otherwise qualifies for extenuating circumstances, review the information under Proof of Extenuating Circumstances to determine if your circumstances could qualify you for review.
  • Review does not guarantee approval.
  • Previous approval based on extenuating circumstances does not guarantee further approvals.
  • Additional documentation may be required beyond the basic requirements listed below.
  • Loss of a job, poor economy, etc. alone are generally not considered extenuating circumstances.

Adverse credit conditions include, but aren't limited to:

You have one or more of the debts listed above with a combined total outstanding balance greater than or equal to $2,085.

Debts listed above are not considered to be adverse credit if the combined total outstanding balance of those debts is less than $2,085.

Description

Charged Off Account:  Any account (open or closed) that has been charged off (written off) during the two years preceding the date of the credit report with a balance greater than zero.

Collection Account:  Any account (open or closed) that has been placed in collection during the two years preceding the date of the credit report with a balance greater than zero.

90 or More Days Delinquent on any Debt:  Any open account that is currently 90 or more days past due.

Proof of Extenuating Circumstances

  • Borrower is authorized user on the account.
  • Account has been paid in full.
  • Satisfactory repayment arrangement has been established and six months of voluntary, consecutive, on-time, full monthly payments have been made.
  • Example of documentation for the above:
    • Documentation on creditor company letterhead documenting one of the above.

  • Account/debt included in a Chapter 13 Bankruptcy.
  • Required documentation:
    • Final Order from the bankruptcy court indicating the account in question is included in the bankruptcy.

  • Debt Consolidation.
  • Required documentation:
    • A letter from the debt consolidation company on the company's letterhead showing all accounts included in the debt consolidation.
    • AND
    • Proof that six months of voluntary, consecutive, on-time, full monthly payments have been made.

  • Divorce.
  • Required documentation:
    • Final Divorce Decree showing that the borrower is not responsible for repayment of the debt in question.

  • Acceptable only for 90 or More Days Delinquent on any Debt:
  • Federal student loan has been consolidated.
  • Required documentation:
    • Proof of consolidation:
      • Letter from current lender showing loan in question was consolidated and the consolidation loan is not delinquent.
      • Letter from prior lender showing loan was bought through a consolidation and the consolidation loan is not delinquent.

  • Federal loan is no longer in default.
  • Required documentation:
    • Documentation on loan holder/servicer letterhead verifying that borrower has either made satisfactory repayment arrangements on the loan or has rehabilitated the loan.

Description

Borrower's wages have been garnished in the past 5 years preceding the date of the credit report.

Proof of Extenuating Circumstances

  • Garnishment has been released.
  • Required documentation:
    • Documentation on official letterhead showing the garnishment was released or paid in full.

Description

Borrower has had a repossession or an involuntary repossession within the past 5 years preceding the date of the credit report.

Proof of Extenuating Circumstances

  • Account has been paid in full.
  • Satisfactory repayment arrangement has been established and six months of voluntary, consecutive, on-time, full monthly payments have been made.
  • Borrower is authorized user on the account.
  • Example of documentation for the above:
    • Documentation on creditor company letterhead documenting one of the above.

  • Divorce.
  • Required documentation:
    • Final Divorce Decree showing that the borrower is not responsible for repayment of the debt in question.

  • Car loan has been reinstated.
  • Required documentation:
    • Documentation on creditor letterhead showing borrower is still responsible for paying the loan.
    • AND
    • Six months of voluntary, consecutive, on-time, full monthly payments have been made.

Description

Any Title IV debt that is currently in default.

Proof of Extenuating Circumstances

  • Federal student loan has been consolidated.
  • Required documentation:
    • Letter from current lender showing loan in question was consolidated.
    • Letter from prior lender showing loan was bought through a consolidation.
    • AND
    • The consolidation loan is not delinquent.

  • Loan is no longer in default.
  • Required documentation:
    • Documentation on loan holder/servicer letterhead verifying that borrower has either made satisfactory repayment arrangements on the loan or has rehabilitated the loan.

Description

Mortgage account has the loan listed as having the foreclosure process started.

Proof of Extenuating Circumstances

  • Divorce.
  • Required documentation:
    • Final Divorce Decree showing that the borrower is not responsible for repayment of the debt in question.

  • Loan Modification Agreement.
  • Required documentation:
    • Finalized signed and notarized modification paperwork and proof of payment in accordance with the modification agreement.

  • Mortgage is Paid-in-Full.
  • Required documentation:
    • Release of Deed from the lender.

  • Short Sale has been approved and completed.
  • Required documentation:
    • Notarized final HUD-1 statement.

Description

Deed in Lieu is being reported in the past 5 years preceding the date of the credit report.

Proof of Extenuating Circumstances

  • Divorce.
  • Required documentation:
    • Final Divorce Decree showing that the borrower is not responsible for repayment of the debt in question.

  • Mortgage is Paid-in-Full.
  • Required documentation:
    • Release of Deed from the lender.

  • Short Sale has been approved and completed.
  • Required documentation:
    • Notarized final HUD-1 statement.

  • Timing Issue regarding deed in lieu.
  • Required documentation:
    • Proof from Mortgage Company that Deed in Lieu is over 5 years old.

Description

Borrower has had a foreclosure in the past 5 years preceding the date of the credit report.

Proof of Extenuating Circumstances

  • Short Sale has been approved and completed.
  • Required documentation:
    • Notarized final HUD-1 statement.

  • Mortgage was paid in full before foreclosure.
  • Required documentation:
    • Cancellation of Sherriff Sale.
    • Release of Deed from the lender.

  • Timing issue regarding foreclosure.
  • Required documentation:
    • Proof from Mortgage Company that foreclosure is over 5 years old.

Description

Borrower has a discharged Chapter 7, 11 or 12 Bankruptcy in the past 5 years preceding the date of the credit report.

Proof of Extenuating Circumstances

  • Timing issue regarding bankruptcy.
  • Required documentation:
    • Discharge paperwork that shows bankruptcy was discharged over 5 years ago.

  • Bankruptcy chapter conversion.
  • Required documentation:
    • Discharge paperwork or paperwork showing that a Chapter 7, 11 or 12 bankruptcy has been converted into a Chapter 13 bankruptcy.

Description

Borrower has a State, County or Federal Tax Lien in the last 5 years preceding the date of the credit report regardless of file date.

Proof of Extenuating Circumstances

  • Satisfactory repayment arrangement has been established and six months of voluntary, consecutive, on-time, full monthly payments have been made.
  • Required documentation:
    • Documentation on official letterhead documenting one of the above.

  • Account/debt included in a Chapter 13 Bankruptcy.
  • Required documentation:
    • Final Order from the bankruptcy court indicating the account in question is included in the bankruptcy.

  • Lien was incorrectly filed.
  • Required documentation:
    • Letter on official letterhead showing that the lien was filed in error. This is sometimes in the form of a release.

  • Lien has been released.
  • Required documentation:
    • Copy of the actual release.
    • Proof of payment.

There may be other documentation required depending on your specific circumstances.

If you have reviewed the information above and no longer wish to document extenuating circumstance, you have the following options:

  • Obtain an endorser and complete PLUS Credit Counseling. Notify the school's financial aid office of your decision.
  • Not pursue a Direct PLUS Loan at this time. Contact the school's financial aid office to discuss other options that may be available.

Complete Income-Driven Repayment Plan Request

The Income-Driven Repayment Plan Request is not available in Spanish. Spanish language forms are available from your loan servicer. This electronic request can be used for Pay As You Earn (PAYE), Revised Pay As You Earn (REPAYE), Income-Based (IBR), or Income-Contingent (ICR) repayment. You should understand the details of the plan you are interested in before you make a selection(s).

General information about all repayment plans is available on StudentAid.gov. If you prefer to complete the Income-Driven Repayment Plan Request via paper contact your loan servicer.

To complete an electronic Income-Driven Repayment Plan Request, you will need:

Approximately 10 minutes to complete.

The Income-Driven Repayment Plan Request must be completed in a single session

Your FSA ID

  • Create an FSA ID if you are a new user or Manage My FSA ID if you have forgotten your username or password.
  • You must log in using your own FSA ID to complete an electronic Income-Driven Repayment Plan Request.

Use of another person's FSA ID constitutes fraud. Use only your own FSA ID information.

Personal Information

  • Permanent Address
  • Mailing Address (if different from permanent address)
  • U.S. Address (if permanent and mailing addresses are foreign)
  • Telephone Number
  • E-mail Address
  • Alien Registration Number (if you are an eligible non-citizen)
  • Your Adjusted Gross Income (AGI)

Co-sign Income-Driven Repayment Plan Request

The co-sign Income-Driven Repayment Plan Request is not available in Spanish. The electronic request can be used for Pay As You Earn (PAYE), Revised Pay As You Earn (REPAYE), Income-Based (IBR), or Income-Contingent (ICR) repayment. You should understand the details of the plan you are interested in before you make a selection.

General information about all repayment plans is available on StudentAid.gov. If you prefer to complete Income-Driven Repayment Plan Request Request via paper, you may contact your servicer.

To co-sign an Income-Driven Repayment Plan Request, you will need:

Approximately 10 minutes to complete.

Your FSA ID

  • Create an FSA ID if you are a new user or Manage My FSA ID if you have forgotten your username or password.
  • You must log in using your own FSA ID to complete an electronic Income-Driven Repayment Plan Request.

Use of another person's FSA ID constitutes fraud. Use only your own FSA ID information.

Reference Number

  • Your spouse will provide you with a reference number.

Personal Information

  • Permanent Address
  • Mailing Address (if different from permanent address)
  • U.S. Address (if permanent and mailing addresses are foreign)
  • Telephone Number
  • E-mail Address
  • Alien Registration Number (if you are an eligible non-citizen)
  • Financial Information (Note: only if you file income taxes separately from your spouse)

Repayment Estimator

There are two ways to access the Repayment Estimator:

Log in to StudentLoans.gov using your FSA ID and your federal student loan information available in the National Student Loan Data System (NSLDS) will be used to:

  • estimate monthly payments
  • determine repayment plan eligibility
  • compare repayment plan costs
  • estimate loan forgiveness

Create an FSA ID if you are a new user or Manage My FSA ID if you have forgotten your username or password.

Use of another person's FSA ID constitutes fraud. Use only your own FSA ID information.

If you do not log in you may add your loans, or use average loan balances provided to:

  • estimate monthly payments
  • determine repayment plan eligibility
  • compare repayment plan costs
  • estimate loan forgiveness


Your spouse's eligible federal student loans and income may be taken into account if:

  • you file a joint federal income tax return with your spouse; or
  • you file a separate Federal income tax return and would like to enter the Revised Pay as You Earn Plan (REPAYE); or
  • you and your spouse have a joint Direct or FFEL Consolidation Loan; or
  • you and your spouse have Direct Loans and both of you want to repay those loans under the ICR Plan.

If either of these apply, your spouse's income, loan amount(s) and interest rate(s) should be added to provide more accurate payment information.

Calculations assume income increases of 5 percent a year, and poverty guideline increases of 3.3 percent a year.

Useful information to have:

Complete Direct Consolidation Loan Application and Promissory Note

A Direct Consolidation Loan allows you to consolidate (combine) multiple federal education loans into one loan at no cost to you. Through your completion of the free Federal Direct Consolidation Loan Application and Promissory Note, you will confirm the loans that you want to consolidate and agree to repay the new Direct Consolidation Loan. Once the consolidation is complete, you will have a single monthly payment on the new Direct Consolidation Loan instead of multiple monthly payments on the loans you consolidated.

More Direct Consolidation Loan information is available on StudentAid.gov. If you have questions about consolidating your federal education loans before you apply, you can also contact the Student Loan Support Center at 1-800-557-7394.

The Federal Direct Consolidation Loan Application and Promissory Note is not available in Spanish.

You will be asked to choose a repayment plan. You should understand the details of the available repayment plans before you make a selection. General repayment plan information is available on StudentAid.gov.

If you prefer, you may complete a paper version of the Federal Direct Consolidation Loan Application and Promissory Note.

There is no cost to you to complete the Federal Direct Consolidation Loan Application and Promissory Note. To complete the application electronically you will need:

Approximately 30 minutes to complete.

  • You must complete the Federal Direct Consolidation Loan Application and Promissory Note in a single session.

Your FSA ID

  • Create an FSA ID if you are a new user or Manage My FSA ID if you have forgotten your username or password.
  • You must log in using your own FSA ID to complete the Federal Direct Consolidation Application and Promissory Note.

Use of another person's FSA ID constitutes fraud. Use only your own FSA ID information.

Personal Information

  • Permanent Address
  • Mailing Address (if different from permanent address)
  • U.S. Address (if permanent and mailing addresses are foreign)
  • Telephone Number
  • E-mail Address
  • Alien Registration Number (if you are an eligible non-citizen)

Financial Information

Review your current federal student loans.

  • Check your federal education loan account online, review your loan documents, or contact your lender or loan servicer. If you dont know who your loan servicer is, you can find out at https://nslds.ed.gov.

  • If you want to repay your Direct Consolidation Loan under the Pay As You Earn (PAYE), Revised Pay As You Earn (REPAYE), Income-Based Repayment (IBR), or Income-Contingent Repayment (ICR) Plan, you will be able to electronically complete the Income-Driven Repayment Plan Request. To repay under one of the income-driven plans, you must provide information about your income. As part of the Income-Driven Repayment Plan Request process, you may be able to provide your income information by using the Internal Revenue Service (IRS) Data Retrieval Tool. If you are unable to transfer your income information from the IRS Data Retrieval Tool or if you do not believe that the Adjusted Gross Income (AGI) reported by the IRS accurately reflects your current income, you will be given instructions on how to submit a paper request and alternative documentation of your current income to the federal loan servicer that you choose to service your Direct Consolidation Loan after completing the online application.

  • More Direct Consolidation Loan information is available on StudentAid.gov. If you have questions about consolidating your federal education loans before you apply, you can also contact the Student Loan Support Center at 1-800-557-7394.

TEACH Grant

The U.S. Department of Education's Teacher Education Assistance for College and Higher Education Grant (TEACH Grant) Program provides funds to students who are completing or who plan to complete coursework that is required to begin a career in teaching, and who agree to teach full-time for at least four years as a highly-qualified teacher in a high-need field, in a school or educational service agency (ESA) serving low-income students.

Each Award Year

Before receiving a TEACH Grant, you must complete:

  • TEACH Grant Initial and Subsequent Counseling
    and
  • An Agreement to Serve (ATS).

You must complete TEACH Grant Initial and Subsequent Counseling and sign a new ATS each year that you receive a TEACH Grant.

When Leaving School

You must complete TEACH Grant Exit Counseling when you:

  • Graduate;
    or
  • Withdraw from school where you recieved your TEACH Grant.

To complete TEACH Grant Initial and Subsequent Counseling, you will need:

Approximately 20-30 minutes to complete

  • TEACH Grant Initial and Subsequent Counseling must be completed in a single session.

Verified FSA ID

  • Create an FSA ID if you are a new user or Manage My FSA ID if you have forgotten your username or password.
  • Students must log in using their own FSA ID to complete TEACH Grant Initial and Subsequent Counseling.

Use of another person's FSA ID constitutes fraud. Use only your own FSA ID information.


Award Year


TEACH Grant - eligible school

  • Name of the TEACH Grant - eligible school you are attending

To complete an (ATS), you will need:

Approximately 20-30 minutes to complete

  • An ATS must be completed in a single session.

Verified FSA ID

  • Create an FSA ID if you are a new user or Manage My FSA ID if you have forgotten your username or password.
  • Students must log in using their own FSA ID to complete an ATS.

Use of another person's FSA ID constitutes fraud. Use only your own FSA ID information.


Award Year


Completion of TEACH Grant Initial and Subsequent Counseling for the award year


TEACH Grant-eligible school

  • Name of the TEACH Grant-eligible school you are attending


Personal Information

  • Permanent and Mailing Address (if different than permanent address)
  • Telephone Number
  • E-mail Address

Reference information for two people with different U.S. addresses who have known you for at least 3 years

  • Name (First Name, Middle Initial, Last Name)
  • Permanent address (Street, City, State, Zip Code)
  • E-mail Address (optional)
  • Telephone Number
  • Relationship to You (The first reference should be a parent or legal guardian).

To complete TEACH Grant Exit Counseling, you will need:

Approximately 20-30 minutes to complete

  • TEACH Grant Exit Counseling must be completed in a single session.

Verified FSA ID

  • Students must log in using their own FSA ID to complete an TEACH Grant Exit Counseling.

Use of another person's FSA ID constitutes fraud. Use only your own FSA ID information.


TEACH Grant-eligible school

  • Name of the TEACH Grant-eligible school you are attending


Useful Information to Have

At the end of the TEACH Grant Exit Counseling session, you will be asked for information that will be included as part of your TEACH Grant record. You must provide the following:

  • Names, addresses, e-mail addresses and phone numbers for:
    • Your next of kin
    • Two references who live in the U.S.
    • Your future employer (if known)