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 and/or Perkins 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 FSA ID to e-sign. These documents may be accessed by clicking on the link below:

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 at
  2. Complete a Master Promissory Note (MPN) also completed at the above website.
  3. Complete the appropriate PLUS Request Form. (PDF found below)
  4. If the PLUS is denied, you have the option to appeal the adverse credit, use a cosigner, or email the Financial Aid office to award the additional unsubsidized loan to the student.

Signing the Perkins Loan MPN

To complete the MPN for the Perkins program, click on the link below for KCU’s servicer, ECSI. Your pin will be required as well as pertinent personal information. Your Perkins Loan funds will be ready for your registration.

Personal Growth

“My favorite part of the Biology program at KCU is how the professors do not just want to teach you, they¬†also want to see you grow in your day to day life.”

Sean Snyder, Class of 2016

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