Financial Aid Next Steps Student Financial Services. Special Interest Session NSO Presentation

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1 Financial Aid Next Steps Student Financial Services Special Interest Session NSO Presentation

2 Federal Student Direct Loan Application for federal student direct loans is done by submitting a Free Application for Student Aid. (FAFSA) Funded by the federal government through the William D Ford Federal Stafford Loan Program, administered by UD and awarded to matriculated (degree seeking) students enrolled for at least half-time (6 credit hrs.) Two different types of Federal Student Direct Loans: Unsubsidized Subsidized

3 Federal Direct Subsidized Loan Loan is in the student name. Subsidized Loan is awarded on the basis of financial need. Subsidized Loans-interest does not accrue until after the student graduates. Student is not responsible for payment while they are enrolled at least half-time. (6 credit hours) Interest rate: 6.8%/3.4%

4 Federal Direct Unsubsidized Loan Loan is in the student s name. Unsubsidized loan is not based on need. Unsubsidized Loans-interest starts to accrue as soon as funds have disbursed to their student account. Student is not responsible for payment while they are enrolled at least half-time. (6 credit hours) Interest rate: 6.8%

5 Federal Direct Student Disbursement... In order for the Federal Direct Student Loan (subsidized/unsubsidized) to disburse, the University must have two items on file: 1. Master Promissory Note 2. Entrance Counseling

6 Master Promissory Note (MPN) University of Delaware first-time borrowers under the Federal Direct Loan Program are required to complete and sign a Master promissory note before their loan proceeds can be released. The MPN is a legally binding agreement to the terms and conditions of the loan. Promise to repay your loan.

7 4 Steps to Completing MPN 1. Complete online, Sign-In to Student Sign In

8 2. Student will need the following information to log in: Social Security #, 1 st 2 Characters of Last Name, DOB and the Student s PIN. Student Information If the student has misplaced the PIN, please visit

9 3. From the Welcome Page, the student will select Complete Master Promissory Note Student will need the following to complete: PIN Personal Information Employer Information School Name References (known for at least 3 yrs./different address.

10 4. Student will select the type of loan they would like to receive. (Subsidized/Unsubsidized) Once selected by the student the process will take about 30 minutes to complete. The University will receive the completed MPN within two business days.

11 Federal Direct Parent PLUS Loan (optional) Before the Federal Direct Parent PLUS loan can disburse to the account, first time University of Delaware parent borrowers will have to complete a MPN as well. Previous instructions are the same but Parent Information will be used to sign in, not Student information. Parent Information

12 Federal Direct Loan Entrance Counseling First Time University of Delaware student borrowers must complete the online Loan Entrance Counseling. Completion is a federal requirement that discuss the rights and responsibilities as a Federal Direct Student Loan Borrower. Student must complete.

13 4 Steps to complete Entrance Counseling 1. Complete online, Sign-In to Student Sign In

14 2. Student will need the following information to log in: Social Security #, 1 st 2 Characters of Last Name, DOB and the Student s PIN. Student Information If the student has misplaced the PIN, please visit

15 3. From the Welcome Page, the student will select Complete Entrance Counseling. What to do: Select Counseling Type Read Guidelines Select School Read content and answer questions. Read Borrowers Rights and Responsibilities Submit entrance counseling.

16 4. Complete Entrance Counseling This process will take about 30 minutes to complete. Make sure all steps are completed. The University will be notified within 2 business days once completed.

17 MPN and Entrance Counseling This is a one time process for the University of Delaware. The student will not need to complete entrance counseling or sign the MPN during their undergraduate program with the University. Remember in future years if aid is not intended then the student must decline their financial aid on UDSIS. If aid is not decline then funds will disburse.

18 What is Verification? Federal Verification is a review process in which the University of Delaware, as required by the U.S. Department of Education, must verify the accuracy of the information provided on a student's FAFSA. FAFSA applications are randomly selected by the Federal processor for verification. Federal programs such as the Federal Pell Grant, Federal SEOG Grant, Federal Perkins Loan, Federal Work Study and the Federal Direct Subsidized Loan Program have strict eligibility requirements and verification must be completed prior to disbursing these funds.

19 Verification Continued... Initial financial aid awards are based on the most current information we have on file for the student at that time. If after Verification, the tax and household information differs from the information reported on the student s FAFSA, financial aid could be increased, decreased or canceled altogether. All verification documents should be forwarded to the Office of Student Financial Services soon as possible after they are requested --Failure to do so may result in reduction and/or cancellation of any need-based Federal-,State-, or University-funded financial aid. Students will be notified via if any other documents are needed.

20 How do I know if I was selected for Federal Verification? Review the SAR (Student Aid Report) sent by the Department of Education after the FAFSA has been filed. It will indicate if you have been selected for the Federal Verification Process. University of Delaware Student selected for Federal Verification will also be notified via from SFS stating all required documentation that must be provided. Indicated on To Do List both on My Finances and UDSIS and all required verification documentation.

21 What am I required to submit for Verification? 1. Federal Verification Worksheet 2. Student s 2011 IRS Documentation (if filed) DRT or Federal Tax Transcript 3. Parent s 2011 IRS Documentation (if filed) DRT or Federal Tax Transcript

22 IRS DRT (Data Retrieval Tool) In January 2010, Federal Student Aid (FSA) implemented a new feature in FAFSA that allowed financial aid applicants and their parents to retrieve and transfer, from the IRS using the IRS Data Retrieval Tool (DRT), certain income and information reported on their federal income tax returns. This capability assured the most accurate information was being used on the applicants FAFSAs.

23 DRT Benefits FAFSA is completed easily and accurately. Financial Aid awards will be more accurate. Applicants selected for Federal Verification can use the tool to verify their income information, avoiding unnecessary processing delays. Tax return information will be satisfied if the IRS DRT has been utilized.

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