Financial Aid

Sign Master Promissory Note

What is a Master Promissory Note (MPN)?

A master promissory note (MPN) is a legally binding contract between the borrower and the US Department of Education. When this contract is signed the borrower is agreeing to repay the loan money borrowed. The terms of the MPN describe the borrower’s rights and responsibilities, as well as the terms and conditions associated with the loan. Signing the MPN also implies that the borrower accepts these terms and conditions. Once signed the MPN is valid for ten (10) years before it automatically expires. All loan programs require an MPN.

A FSA ID (Federal Student Aid ID) is required to complete an MPN. This may be obtained from the U.S. Department of Education via the website, A student will need the FSA ID to complete a Direct Loan, Entrance Counseling and MPN. A parent will need this for a PLUS loan. (This is the same FSA ID used to sign the online FAFSA.)

Signing the Direct Loan MPN

If you have been awarded a Direct loan, you MUST complete a Master Promissory Note (MPN) and Entrance Counseling before your funds will be released to the school. You will be required to use your Student FSA ID to e-sign. These documents may be accessed by clicking on the link below:

Entrance Counseling

Master Promissory Note (MPN)

Signing the Direct PLUS MPN

If the parent wants to apply for a Direct PLUS Loan they MUST complete ALL three steps of the PLUS Request Process before the funds will be released to the school.

  1. Complete the Parent PLUS Loan Application here
  2. Complete an MPN (Loan Agreement for PLUS Loan) here
  3. Complete the appropriate PLUS Request Form. (refer to forms below)
  4. If the PLUS application is denied, you have the option to appeal the credit decision, or use a cosigner. If you do not intend to pursue either, an additional amount may be added to the students existing unsubsidized loan by emailing

Prepared for the World

“KCU was more than a University, it was also a home for me. Professors didn’t just worry about my grades, but
they knew about my life, provided counsel, encouraged me, and pushed me to grow. I felt that my education for
ministry was amazing and really helped prepare me for ministry. A lot of my spiritual mentors have come out of
KCU and also some lifelong friendships with fellow students. KCU might not be the biggest school, but it has one
of the biggest hearts.”

Cady Wurtz, Class of 2017 Graduate School

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