1. Fill out the FAFSA (Free Application for Federal Student Aid). The FAFSA is available from your high school counselor, college financial aid office, public library or online at www.fafsa.ed.gov. Need assistance? Contact College Planning at 1-800-986-4322.
    

2. Check the results. The federal Department of Education will determine your Expected Family Contribution (how much you and your family are expected to contribute to your education costs) and send you a Student Aid Report (SAR) for your review. Notify them immediately of any inaccuracies.
    

3. Choose First Security Bank as your lender. Your college will send you a financial aid award letter detailing how much and what types of funding you may receive. Notify your college that you have chosen First Security Bank- Lender ID# 818819 to provide your federal loan.
    

4. Fill out MPN. You will need to fill out a Master Promissory Note (MPN) which is your legal promise to repay your loan. Sign the MPN and all that's left is to receive your funds. Your money is sent directly to your college. You will receive notification of how to receive your funds.

Each school determines the method by which loans will be processed.  You will need to complete a Stafford Loan Master Promissory Note (MPN) which is a legal document that must be signed to obtain a loan.  It will include information about your interest rate, deferment, cancellation provisions, and other information.  It's very important to read and understand this document because, by signing it you promise to repay the loans.

If your school directs you to your lender to complete a Stafford Master Promissory Note, please click on the link below which will take you to a secure site to complete your MPN.  You may choose to electronically sign and submit your application or you may print out the completed copy to sign and submit.  Please check with your school for their policy on submitting a Master Promissory Note.  To Apply Online Now, click here. 

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