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Accepting Your Loans

Federal Direct Loans

If you’ve been offered a federal Direct Subsidized/Unsubsidized Loan, follow these steps.

1. Accept your loan(s)

To accept your loan online at

  1. Select “Go to My Student Center” in the middle of the screen.
  2. Select “View Financial Aid” under finances.
  3. Select the aid year.
  4. Select “Accept/Decline Awards.”
  5. Select the loans you wish to accept (or click “accept all”).
  6. Enter the amount you wish to accept.
  7. Hit the submit button, and then click yes to accept.

Accept your loan

To accept loans in person, bring your financial aid award letters with you to your appointment.

To accept loans by phone, call a financial aid counselor at your WSU location.


2. Complete your Master Promissory Note

The Master Promissory Note (MPN) is a binding legal contract that spells out the terms and conditions of loans. Essentially, the lender agrees to loan you a specific amount of money and you commit to repaying it.

To complete and sign the Master Promissory Note:

  1. Go to and click “Log In.”
  2. Sign in with your FSA ID.
  3. Click on “Complete Master Promissory Note.”
  4. Click “Subsidized/Unsubsidized.”
  5. Complete the MPN by signing with your FSA ID.

Master Promissory Note

3. Entrance counseling

Federal law mandates entrance loan counseling for Subsidized/Unsubsidized Direct Loans be completed before WSU can deliver these funds to you. You need to complete this counseling only once while attending WSU.

To complete your entrance counseling requirement:

  1. Go to and click “Log In.”
  2. Sign in with your FSA ID.
  3. Click on “Complete Counseling.”
  4. Under “Entrance Counseling,” click “Start.”
  5. Indicate whether you are an undergraduate or graduate student.
  6. Follow the instructions to complete the counseling.
  7. Once completed, print the confirmation page for your records.

Entrance counseling

Help with completing the MPN/EC

This video contains helpfui information on completing the Master Promissory Note (MPN) and Entrance Counseling (EC).

Perkins loans

If you’ve been offered a Perkins loan, follow these steps.

1. Accept your Perkins loan

Accept your loan online at or accept in person at our office on the Pullman campus.
Accept a Perkins loan

Within about 3 business days, you should receive an email from Heartland ECSI, an independent vendor who processes Perkins loans for WSU. Watch for this email and keep it from ending up in your spam folder.

Follow the links in the email to fill out information and complete the Master Promissory Note (MPN) and entrance counseling.

2. Complete your Master Promissory Note (MPN)

The student borrower must complete the Master Promissory Note (MPN) and entrance counseling before funds can be received. This process is managed for WSU by a third-party company named Heartland Campus Solutions ECSI (Heartland ECSI).

The promissory note and entrance counseling can be completed online at Heartland ECSI’s website after you have accepted your loan. Heartland ECSI will send you an email with the information you need to get started.

Master Promissory Note

Need help with the promissory note? Contact …

Heartland ECSI Student Customer Service: 1-888-549-3274. 
WSU’s school code is 8A. You will need your account number, which is your Social Security number.


University Receivables: (509) 335-9653, French Admin. Bldg., Rm. 342
please contact this office to follow up on the processing of your Perkins paperwork.

Exit counseling

Exit counseling is required when you withdraw, drop below half-time status, or graduate. In each of these instances, you are expected to begin repayment of your federal student loans.

Details will be sent via mail and email to all WSU students who have applied for graduation.

If you’re a graduate student, you can complete the exit counseling requirement for both Subsidized/Unsubsidized Direct Loans and Graduate PLUS Loans through a combined process. Alternatively, the exit information also can be mailed to you at your request.

Washington State University