If you have not previously received a Direct Loan, you must complete a Direct Loan Master Promissory Note (MPN). Although you may have previously signed an MPN to receive FFEL Program loans, a FFEL MPN cannot be used to make Direct Loans.
The MPN is the legal document through which you promise to repay your Direct Loans and any accrued interest and fees to the department. It also explains the terms and conditions of your loans. A Direct Loan MPN can be used to make loans for up to 10 years. You may complete a Direct Loan MPN electronically via the StudentLoans.gov website.
To complete a Direct Loan MPN electronically, you must have an FSA ID. The FSA ID is the same FSA ID used to complete the Free Application for Federal Student Aid (FAFSA).