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How to Apply to Direct Loans

 Stafford Subsidized and Unsubsidized Loans

  1. Complete the Free Application for Federal Student Aid ( School Code = 00363200)
  2. Notice of award will be sent to you from TAMU
  3. Go to HowdyMy Finances, Financial Aid Portal
  4. Accept/decline/reduce loan offer(s)
  5. First time Direct Loan borrowers: Sign in (StudentLoans.gov) and complete "Sign Master Promissory Note" (eMPN) 
  6. Complete "Entrance Counseling" at StudentLoans.gov
  7. Department of Education electronically transmits funds to TAMU
  8. Student Business Services applies the loan funds to billing and refund (if applicable)

Parent Loan for Undergraduate Student (PLUS) and Graduate PLUS (GradPLUS)

  1. Complete the Free Application for Federal Student Aid (TAMHSC School Code = 00363200)
  2. Sign In at StudentLoans.gov using FAFSA PIN
  3. Complete all pages of application
  4. The Department of Education will notify you and TAMU of credit decision.

If approved:
TAMU completes loan certification and submits to Department of Education
Parent borrower must complete Master Promissory Note (eMPN steps below)
Department of Education electronically transmits funds to TAMU
Student Business Services applies te loan funds to billing and refund (if applicable)

If denied:
Department of Education’s Federal Loan Origination Application Services (LOAS) will send a loan denial letter to applicant which will include the name and contact information of the agency providing the credit data on which the denial was based.

LAOS contact information:
P.O. Box 5691
Montgomery, AL 36103-5691
Phone: 1-800-557-7394

Note: TAMHSC receives no information regarding reasons for denial of PLUS.
Note: Undergraduate students may be eligible for additional Stafford funds due to denial.  Contact OSFA for more details.


To complete PLUS/GradPLUS electronic Master Promissory Note (eMPN):

  1. Login with PIN – same as used on FAFSA
  2. Disclosure and consent information
  3. Provide name of school (Texas A&M University, School Code 00363200)
  4. Complete the Master Promissory Note
  5. Review your information (draft MPN)
  6. Sign (online)
  7. Review signed MPN and enter confirmation
  8. Confirm acceptance of terms and submit
  9. Print copy for your records (not to be submitted to TAMHSC) 
Last edited by: chea 07/21/2014


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