Federal Student Loan Counseling and Master Promissory Note

Below is information you need to complete required loan counseling for federal student loans.  In completing this requirement, it is important to understand the following information and select the correct counseling session(s).

Federal Stafford Loans are either subsidized loans or unsubsidized loans.

Federal Graduate PLUS Loans

Federal Perkins Loans are made directly by the University, and the maximum award is $4,000 per year.  UNC Charlotte contracts with Campus Partners to handle the billing and repayment of the loan when the student enters repayment.

Entrance counseling is required for all students who are receiving a federal loan for the first time at UNC Charlotte.  Even if you had federal loans at other schools, entrance counseling is required if this is your first federal loan at UNC Charlotte.  The University is not allowed to disburse loan funds to you until this is completed.

Exit counseling is required for all students who received a federal loan at UNC Charlotte who graduate, withdraw, or otherwise cease at least half-time enrollment.

Select the appropriate link(s) below, to begin your entrance or exit loan counseling for Perkins or Stafford Loans.

The completion of the Master Promissory (MPN) is required in order for you to receive the Stafford Loan.

Contact you lender about completing your MPN. 

 
IMPORTANT:  New borrowers should link to entrance loan counseling, and those who are graduating or otherwise leaving school should link to exit loan counseling.  If you have both types of loans (Stafford AND Perkins), it is necessary to complete BOTH counseling sessions for EACH loan.  If you are not sure of the type of loans you have, login to 49er Express and review your financial aid awards.