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Home > Future Students > Paying for College > Financial Aid > Loans


NOVA is now 100% DIRECT LENDING. Loans are money that you or your parent borrows and repays with interest. Education loans are offered at low interest rates and have long repayment terms. Some loans require a demonstration of need; others do not.

All borrowers at NOVA must be enrolled in and attending at least 6 credits at the time the loan is disbursed.

Note: Students must sign in to to complete Entrance Counseling and also a Direct Loan Master Promissory Note (MPN) before the college can make the first disbursement of their loan if they have not previously received a Federal Direct Stafford Loan.

Entrance Counseling helps students understand their responsibilities regarding their loan and the Master Promissory Note is the legal document students electronically sign to receive a loan. Each one may take approximately 30 minutes to complete.

Parents must sign in using their own information at to complete the PLUS Master Promissory Note (MPN) and PLUS Loan Request if they wish to request a PLUS loan.

When selecting the “School and Loan Information”, please use Northern Virginia Community College ONLY.

Northern Virginia Community College does not process paper Master Promissory Notes for Direct Loans.

Students who have already received a Stafford (Unsub /Sub) loan disbursement at NOVA during the Fall 2008 or Spring 2009, should not complete a promissory note.


As a reminder, student loans are an obligation that borrowers must repay. Only borrow what you absolutely need and only what you can afford to repay based on your career! There are serious consequences for failing to repay student loans in accordance with your master promissory note. Consequences of defaulting on student loans can include wage garnishment, withholding of tax refunds, collection fees, denial of financial aid, and a damaged credit history.

Repayment of most federal student loans begins after the borrower stops attending college or drops below 6 credits of enrollment. However, PLUS loan repayment begins once the loan is fully disbursed.

Immediately contact your loan servicer (the company that handles the billing for your loans) if you ever have any trouble making your loan payments once your student loans enter repayment. You might qualify for deferment, forbearance, or a different repayment plan that can temporarily postpone or reduce the amount you must pay. Your loan servicer can also answer questions about making loan payments, loan consolidation, and the various loan repayment plans.

Look up your loan history and the contact information for your loan servicers by logging into the My Federal Student Aid portal. Scroll down to view your Federal Student Loan Summary and click on each individual loan to view the contact information for your loan servicers.

Start planning on how you will repay your student loans by utilizing NOVA's Loan Planning Form.

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