Instructions for First-Time Borrowers

If you are borrowing loans for the first time, there are some steps you must complete to ensure your aid will pay to your account. Follow the steps listed below and complete those that apply to you.

Students borrowing through the Federal Direct Loan Program must complete a Direct Loan Electronic Master Promissory Note (EMPN) in order to receive their Direct Loan funds. The EMPN authorizes UM-Flint to credit Direct Loan funds to your student account. You will only need to complete this requirement once during your attendance at UM-Flint. 

After completing the EMPN, the Office of Financial Aid will receive electronic confirmation of this completion and you will immediately receive a confirmation number so that you know the federal government has received and accepted the EMPN.

View a tutorial that explains the EMPN process.

Where do I go?

Visit studentloans.gov to complete the EMPN.

What do I need?

You will need your FSA ID, your SSN, your permanent address and phone number, and two references with complete names, addresses, and phone number. The process takes about 10-15 minutes.

Steps to follow

  1. Visit studentloans.gov
  2. Click "Log in"
  3. Log in with your information
  4. Click on “Complete Loan Agreement (Master Promissory Note)”
  5. First-time undergraduate students select “MPN for Subsidized/Unsubsidized”
  6. First-time Graduate PLUS Loan borrowers: Select MPN for Graduate/Professional Students”
  7. Select the University of Michigan-Flint as your school
  8. Enter the required information
  9. You will have the option to print the EMPN once it is completed

Additional Information

If you have consolidated your loans or if it has been more than 10 years since you signed your original EMPN, you will need to complete another EMPN.

Completing Online Entrance Counseling

Students borrowing through the Federal Direct Loan Program must complete counseling in order to receive their Direct Loan funds. Your quiz results will be transmitted electronically to the Office of Financial Aid.

View a tutorial that explains the entrance counseling process.

Where do I go?

Visit studentloans.gov to complete Entrance Counseling.

What do I need?

You will need your FSA ID and your SSN.  The process takes about 15-20 minutes.

Steps to follow

  1. Visit studentloans.gov
  2. Click "Log in"
  3. Log in with your information
  4. Click "Complete Loan Counseling"
  5. Select "Entrance Counseling and click "Start"
  6. Select Michigan as the school state
  7. Select the "University of Michigan-Flint" as your school
  8. Click the "Notify this school" button
  9. Proceed to complete the process

Other requirements

You may have other requirements that must be fulfilled before your aid will pay.

View a tutorial that explains the process of checking for requirements on your student account.