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Six Steps to Complete the Student Direct Loan Application Process


Step 1:  Go to
Step 2:  Log in usingyour Social Security Number, Date of Birth and FAFSA PIN#.
Step 3:  Click on Complete Entrance Counseling (first-time borrowers only).
Step 4:  Choose Entrance Counseling as an Undergraduate Student and complete all sections.
Step 5:   Once the Entrance Counseling section is finished, complete the Direct Loan Master Promissory Note.

Step 6:
  Sign, date and return one copy of your Financial Aid Award Letter to the Financial Aid Office. 
Your signed award letter gives us permission to process your laon on your behalf.

Five Steps to Complete a Direct PLUS Loan

Step 1:   Go to
Step 2:   Log in using your Social Security Number, Date of Birth and FAFSA PIN#.
Step 3:   Choose "Request A Direct PLUS loan."
Step 4:   Scroll down and choose "Parent PLUS" to initiate your credit check.  Complete all sections.
Step 5:    Your credit check remain active for 90 days only.  Another credit check will be performed if your loan application is certified by the college after 90 days has lapsed.  If approved, complete the Direct PLUS Master Promissory Note.
Federal Direct PLUS Loans
Federal Direct PLUS Loan Brochure (.pdf, 2552K)
This brochure reviews the eligibility requirements and repayment options.
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Student Loan Counseling Tools
Federal Direct Loan Entrance Counseling Guide (.pdf, 827K)
This guide will assist you with questions you may have during your entrance counseling session.
Federal Direct Loan Exit Counseling Guide (.pdf, 790K)
This guide will assist you with any questions you may have with your Federal Direct Loan, including repayment options, deferments, forbearance and loan consolidation.
Student Loan & Debt Management Handbook (.pdf, 200K)
The Loan & Debt Handbook provides important information about the FFELP Loan Programs (Federal Stafford Loan program prior to July 1, 2010), such as interest rates, loan deferments, repayment options, cancellations, and loan forgiveness programs.
Your Federal Student Loans (.pdf, 4743K)

This handbook offers in depth information on federal loan programs.

Federal Perkins Loan Handbook (.pdf, 80K)
This handbook can assist you with your Federal Perkins Loan questions, including repayment, interest rates, deferment and forbearance. 
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To determine where your federal loans are being serviced, please visit the National Student Loan Data System (NSLDS) at  Servicers that are currently contracted with the Department of Education are:

Direct Loan Servicing Center
NSLDS Servicer Code:  00100
NSLDS Name:  Direct Loan Servicing Center
Borrower Phone:  1-800-848-0979
FedLoan Servicing (PHEAA)
NSLDS Servicer Code:  700579
NSLDS Name:  Dept of ED/Fed Loan Servicing (PHEAA)
Borrower Phone:  1-800-699-2908
Great Lakes Educational Loan Services
NSLDS Servicer Code:  700581
NSLDS Name:  Dept of ED/Great Lakes
Borrower Phone:  1-800-236-4300
NSLDS Servicer Code:  700580
NSLDS Name:  Dept of ED/Nelnet
Borrower Phone:  1-888-486-4722
Sallie Mae
NSLDS Servicer Code:  700578
NSLDS Name:  Dept of ED/Sallie Mae
Borrower Phone:  1-800-722-1300
Federal Direct Loan Entrance and Exit Counseling
This link will direct you to the Federal Direct Loan website to complete your required entrance and exit counseling sessions.  Entrance counseling is required for first time borrowers in the Federal Direct Loan Program.  Exit counseling is required for students who are graduating or have ceased enrollment from Wells College and not before. 
Federal Perkins Loan Entrance and Exit Counseling

This link will direct you to the Mapping Your Future website where you can complete either your Federal Perkins Loan Entrance Counseling or Exit Counseling requirement. 

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Wells College recommends that students exhaust their federal and/or state financial aid resources first before considering other financing options with the use of the Free Application for Student Aid (FAFSA).  The reasons we request students complete the FAFSA are:


·        to determine if your are eligible for grant (non-loan) funds
·        to offer the least expensive student financing options through the Federal Loan Programs  

After exhausting all federal, state and institutional funds, many students are still left with educational costs.  To assist students in paying for these expenses, banks and lenders provide private alternative educational loans. 



Alternative (Private) Loans are in the student’s name.  You have a right to use the lender of your choice.   If the alternative loan program you choose requires a school certification, the student can borrow up to the cost of enrollment .    

Private education loan programs:

  • Are not government-sponsored
  • Are not regulated on interest rates, deferment or payment options
  • Often require a co-signer
  • Interest rates are determined by the lender (typically depend on borrower and co-borrower’s credit worthiness)
  • Fees are determined by the lender (typically depend on borrower and co-borrower’s credit worthiness
We strongly recommend that you carefully read the terms of your Alternative Loan to know exactly what costs will be involved.  We also recommend that you contact the lenders directly for any questions you may have so that you fully understand what will be required and what total you will be repaying. 


To assist you with your search of Alternative Loan options, you may want to consider visiting the following 3rd party websites.  These sites will offer a variety of lender alternative loan products and comparisons.  

Alternative Loan Self-Certification Form
Alterantive Loan Self-Certification Form
If you are borrowing in an alternative loan program, the Private Education Loan Applicant Self-Certification form must be completed and returned to your lender before your loan funds can be disbursed.
Loan Resource Links
Federal Stafford Loans
Visit this site to download your Stafford deferment, cancellation and hardship forms.
Direct Federal Stafford Loan
Direct Stafford Loan borrowers may visit this website to download deferment, cancellation and hardship forms.
Perkins Loan Servicing
Campus Partners is the servicer for the Perkins Loan program.  This site will allow you to download forms and check the status of your Perkins Loan account.
National Student Loan Data System
This site will allow you to check status of your loan and disburements made.  You will need to use your FAFSA Pin to access this site.
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