Master Promissory Note (MPN)

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Subsidized/Unsubsidized Master Promissory Note (MPN)

What is a Subsidized/Unsubsidized MPN?

The Subsidized/Unsubsidized Master Promissory Note (MPN) is a legal document in which you promise to repay your federal student loan(s) and any accrued interest and fees to your lender or loan holder. There is one MPN for Direct Subsidized/Unsubsidized Loans and a different MPN for Direct PLUS Loans. Most schools are authorized to make multiple federal student loans under one MPN for up to 10 years.

OMB No. 1845-0007 Form Approved

Who should complete this?

  • Eligible undergraduate students
  • Eligible graduate/professional students requesting unsubsidized loans

How long will it take?

The entire MPN process must be completed in a single session. Most people complete the MPN in less than 30 minutes.