Federal Direct Loans

Once you have filed your FAFSA-Free Application Federal Student Aid, your eligibility for Federal Direct student/parent loans will be determined. Your financial aid award notification will state your eligibility amounts. If you decide that you wish to take part in the Federal Direct loan program, there are 3 simple steps to complete. If you do not apply online, you will want to have your award handy to refer to for loan eligibility amounts. The steps for all Federal Direct Loans (Subsidized, Unsubsidized, Parent PLUS, Graduate PLUS, and Perkins) are the same. However, the Perkins loans do have separate request forms (pdf only) and promissory notes, so take special care to complete the correct form for your particular loan. Students who are graduating and leaving Andrews University will need to complete Step 4 to receive graduation and diploma clearance.

Step 1: Request your loans.

Online

Student Direct Loans
Graduate Student PLUS Loans
Parent PLUS Loans - Parents must sign in with their FSA-ID. Request an FSA-ID.

If you chose to submit paper request forms for loans, you will need to allow for extra processing time. Please read the forms carefully and fill in all necessary blanks. Incomplete forms will not be processed. Select from the following fillable forms:

Paper

Student Direct Loan Request Form _(pdf)
Perkins Loan Request Form _(pdf)
Parent Loan (PLUS) Request Form _(pdf)
Graduate Student PLUS Form _(pdf)

Step 2: Complete Loan Entrance Counseling.

After you have requested your loan, visit the Loan Entrance Counseling website and answer a few simple questions regarding your rights and responsibilities as a borrower. Once completed, the results will be electronically sent to our department. Typically, these results will reach us on the next business day. Please allow sufficient processing time.

Step 3: Sign Master Promissory Note.

This is the electronic equivalent of endorsing your loan. Without a master promissory note on file, your loan application is incomplete and you cannot count this loan as accepted aid and your loan will not disburse. To sign, simply click on the embedded link found below.

Step 4: Complete Loan Exit Counseling.

Graduating students: Loan exit counseling is a part of the clearance process for graduation. You will receive an email and a information packet from our office regarding your loans 2-3 weeks before graduation. You will need to complete exit counseling for any and all federal loans you have taken while at Andrews before you can be cleared for graduation tickets and diploma/transcript release.

Part-time students: Any student dropping below half-time enrollment for any reason will need to complete exit counseling for any and all federal loans taken while at Andrews. There is a 6 month grace period for federal loan repayment which will begin when enrollment drops below half-time. This could also occur if you take a semester off or transfer to another school. Contact your financial advisor for more information.

Student Loan Exit Counseling
Perkins Loan Exit Counseling

Federal Direct Loan Servicing Center @ 1.800.848.0979

Learn more about Federal Loans