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Direct Loans

Direct Lending for New Borrowers
Getting Started:

  1. Important: You will need your Department of Education issued PIN (the same PIN used for the FAFSA) in order to complete and electronically sign your new electronic Master Promissory Note (eMPN) under the Direct Loan Program. If you have forgotten your PIN or do not yet have one, please go to to have your PIN sent to you.
  2. Have your social security number, date of birth, and driver’s license number accessible.
  3. You will also be required to provide two personal references (full name, address, and telephone number) whom you have known for at least three years. Each reference provided must reside at a different U.S. address as well as different from the student's address.

Part One: Accepting Your Stafford Loan

You will need to log on to your ASAP account and click on Financial Aid, then you will be able to choose to view your award.Please note that once you accept your loans, you will have to wait three (3) business days before proceeding to to complete your electronic Master Promissory Note (eMPN).

Part Two: Completing the Stafford Loan Entrance Counseling

STOP! Reminder: You can only complete the next step after you have accepted your Stafford Loans on ASAP and waited three (3) business days in order for Direct Lending to receive your information from UTSA.

Part Three: Complete a New Electronic Master Promissory Note (eMPN)

Once you have waited the designated three (3) business days after accepting your loan for UTSA to send your loan information to Direct Lending, then you will be able to complete the electronic Master Promissory Note (eMPN).

To complete your eMPN, you will need to go to and click on “Complete New MPN for Student Loans”.  Remember that you will need your Department of Education issued PIN to begin the process.

An eMPN can be completed in 9 steps. We estimate that it will take 30 minutes to complete the eMPN process. Make sure you allow enough time to complete the entire process in a single session. If you exit the web site before submitting your signed MPN in Step 8 and return later, you'll have to start over beginning with Step 1.

Step 1 - PIN Registration
Step 2 - Disclosure and Consent
Step 3 - Provide Name and School
Step 4 - Complete MPN
Step 5 - Review/Read Draft MPN
Step 6 - Sign Your MPN
Step 7 - Review signed MPN/Enter Confirmation Code
Step 8 - Confirm Acceptance of MPN Terms and Submit MPN
Step 9 - Success! Now Print Your MPN

Once you complete the eMPN process correctly, UTSA will receive notification electronically that you have completed your MPN. This will allow the UTSA Financial Aid Office to continue working on your loan disbursement process.

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