Financial Aid
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Loan Requirements

Direct Loan Entrance Counseling

Entrance Counseling is an online tutorial to help students understand the rights and responsibilities assumed when borrowing. Federal regulations require first-time borrowers to complete Entrance Counseling before receiving a Federal Direct Loan, including:

  • first-time borrowers of Federal Direct Subsidized and Unsubsidized Loans, and
  • graduate students borrowing a Graduate PLUS Loan.

The US Department of Education provides an Entrance Counseling session on its loans portal ( After reading the steps below, click on the Begin Loan Counseling link to complete the Entrance Counseling session:

  1. Log In (you will need your FSA ID)
  2. Select Complete Loan Counseling and then under Entrance Counseling click Start
  3. Choose your school (select Wisconsin and then UW-Whitewater from the dropdown and click Add School)
  4. Select Undergraduate or Graduate/Professional Student
  5. Follow instructions as you complete the counseling session

» Begin Loan Counseling  Note: Make sure you complete Entrance Counseling not Financial Awareness Counseling.

Direct Loan Master Promissory Note

All students and parents borrowing for the first time through the Federal Direct Loan Program are required to complete a Master Promissory Note (MPN).  If an MPN is needed, you will receive notification.  The MPN serves as the agreement to repay the loan(s) and any accrued interest, expires 10 years from the date signed, and covers multiple loan disbursements during the student's academic career even if at different institutions.  

For all loan types below, go to to complete and sign a Master Promissory Note (MPN).  You will need your FSA ID for this process.  Use the information below to guide you on the site.

Undergraduate students - for Direct Subsidized and Direct Unsubsidized Loans, and
Graduate students - for a Direct Unsubsidized Loan

  • Click on the appropriate tab, Undergraduate Students or Graduate/Professional Students
  • Choose Complete Loan Agreement for a Subsidized/Unsubsidized Loan (MPN) 

Parents - for a Direct Parent PLUS Loan:

  • Under Parent Borrowers, choose Complete Loan Agreement for a PLUS Loan (MPN)
  • Parents must complete a separate MPN for each student for whom they borrow funds

Graduate students - for a Direct Graduate PLUS Loan:

  • Under Graduate/Professional Students, choose Complete Loan Agreement for a PLUS Loan (MPN)
  • Apply for a Grad PLUS Loan only after first requesting a Direct Unsubsidized Loan up to your full eligibility


Financial Aid Office
University of Wisconsin-Whitewater
130 Hyer Hall
800 West Main Street
Whitewater, WI 53190

Contact Us

Phone: (262) 472-1130
Fax: (262) 472-5655
Email us!
Meet the Staff

Office Hours

Lobby Open: 
Mon-Fri: 8 AM - 4:00 PM
Phones Answered:
Mon-Fri: 8 AM - 4:30 PM

Walk-in Advising

Mon, Tues, & Wed: 9 AM-4 PM
Thursday: 12:30 PM - 4 PM
Friday: 9:00 AM - 12:30 PM
*May be with remote Advisor