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 PDF below)
  4. If the PLUS is denied, you have the option to appeal the adverse credit, use a cosigner. If you do not intend to pursue either an additional amount may be added to the students unsubsidized loan by emailing

Well Equipped

“I look back at my four years at Kentucky Christian University often and fondly. The classes were relevant, the professors were genuine, and the campus was focused on the schools mission: Christ, Character, Career. I was well equipped to minister to and lead worship in the hundreds of congregations we visit each year as the band “64 to Grayson”. If I went back and was faced with the choice to go to KCU again, I would do it in a heartbeat.”

Zack Shelton, Class of 2013

Blog & News See more posts >
  • Bible Bowl Tournament

  • Summer in the Son

  • Summer in the Son

  • New Student Check In

See more events >