Once a student accepts a loan on his or her Award Notice, there may be additional steps required to secure the loan. These additional steps or requirements can be found on WINGS Express after accepting a loan. When accepting a student loan, it is extremely important that you follow all of the instructions carefully on your Award Notice. Read the items on your Award Notice under "Additional Information" after you've accepted a loan. Timing is crucial to loan processing, so be sure you complete all of the required steps as soon as possible. Delays could result in the cancellation of your award.

The steps needed to complete loan processing depend upon the type of loan accepted by the student. There are three types of student loans:

• Federal Family Education Loan Program (FFELP) Loans
• Campus-Based Loans
• Alternative Loans

NOTE: Students cannot accept a Parent PLUS Loan. Parents who wish to apply for a PLUS Loan can visit our Federal Parent PLUS Loan page for more information on how the parent can apply.

Federal Family Education Loan Program (FFELP) Loans

• Federal Stafford Loans
• Federal Graduate PLUS Loan

After accepting a FFELP loan on his or her Award Notice via WINGS Express, the following requirements will appear on WINGS Express. The student must complete the following tasks in order to receive FFELP loan funds:

1. Loan Period Selection. You must indicate the quarters in which you would like borrow the FFELP loan(s) for the aid year. The loan amount(s) accepted will be evenly distributed over the quarters selected, up to your cost of attendance.

2. Loan Entrance Counseling. Loan Entrance Counseling must be completed one time only.

3. Master Promissory Note (MPN). When completing an MPN or eMPN, you must choose a lender for a FFELP loan. Visit our Lender List page for a partial list of lenders. If you have already completed an MPN, you do not need to complete a new MPN, unless you wish to change your lender.

NOTE: WSU must also certify your FFELP loan in order for you to receive funding. Loan certification occurs no sooner than May prior to the start of the upcoming aid year for summer aid and no sooner than July prior to start of the upcoming aid year for fall, winter and spring aid. By certifying a FFELP loan, WSU has verified that the loan type and amount is valid at the time of certification. Typically Great Lakes Educational Loan Services is the loan servicer for FFELP loans borrowed at WSU.

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Campus-Based Loans

• Federal Nursing Student Loan

After accepting a campus-based loan on his or her Award Notice via WINGS Express, the following requirements will appear on WINGS Express. The student must complete the following tasks to receive campus-based loan funds:

1. Loan Entrance Counseling. Loan Entrance Counseling must be completed one time only.

2. Loan Disclosure Statement. For each campus-based loan you accept, you must complete a Loan Disclosure Statement.

3. Master Promissory Note (MPN). For each campus-based loan you accept, you must complete an MPN. You must print and sign the MPN and submit it to the Office of Financial Aid. You must submit an MPN that has your original signature (no facsimile or photocopies will be accepted). It is strongly recommended you keep a copy of your MPN for your records.

4. Campus-Based Loan Borrower Contact Information Sheet. You must print and complete the Campus-Based Loan Borrower Contact Information Sheet and submit it to the Office of Financial Aid.

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Alternative Loans

Students must initiate loan processing by contacting the alternative loan lender and applying for the loan. If approved for the loan, the lender will send to the Office of Financial Aid a certification request. The Office of Financial Aid will certify the loan provided the student is eligible. At the time of certification, the alternative loan shall appear on the student's Award Notice as an accepted loan. See our Alternative Loans page for more information on applying for an alternative loan.