Federal Direct Student Loans

Please read all the information below before beginning your Entrance Counseling (EC) or Master Promissory Note (MPN).

Continuing your education is a major investment in your future. If you decide to make loans a part of this investment, managing the amount of debt you incur is a major responsibility. To ensure that you understand this responsibility, and the obligations that you are assuming, the Federal Government requires you to participate in loan Entrance Counseling (EC) and sign a Master Promissory Note (MPN) prior to receiving a Direct Stafford Student Loan.

Entrance Counseling is a requirement that provides you with all the information you need to know about the terms and conditions of the loan, as well as your rights and responsibilities as a student loan borrower. The Master Promissory Note is a legal binding document. When signed, it signifies your understanding of the rights and responsibilities, your acceptance of the terms and conditions of the loan, and your agreement to repay.

Below you will find the loan application guidelines and instructions for Madera College.

Applying for a Federal Direct Stafford Student Loan at Madera College


Applicants must meet the following minimum requirements:

  • Have a completed financial aid file in OK, Warning or Probation Satisfactory Academic Progress (SAP) status
  • Be enrolled in a minimum of 6 units of non-remedial/non-ESL coursework
  • Be enrolled in an eligible educational program
  • Must be a high school graduate or have a high school equivalency and not be concurrently enrolled in high school
  • Must not be receiving Title IV financial aid at another higher education institution

Application Process

Before you complete the MPN and/or EC, you should contact the Financial Aid Office to determine your loan eligibility.

After verifying your loan eligibility, follow all listed steps on the Direct Loan Workshop. Read these instructions carefully and keep printouts of your confirmation pages and MPN for your records and submission to the Financial Aid Office. 

  • If you need access to a computer and/or printer, you may visit the Web room next to Admissions and Records on the first floor of the Student Services building.

After you have finished the online process…

  • Submit all completed documents to the Financial Aid Office for processing.

Please allow up to three weeks processing time after submitting your loan packet. You will receive loan award notification by email.


Managing your federal student loan debt is a major responsibility, but there are many resources out there to help you along the way. Whether you are still in school at least half-time or have already left school, it is important to stay on top of your student loan debt obligations. Do you know who your lender is? What is your interest rate? What if you can't make your loan payment? Below you will find various resources to help answer these questions and more.

Loan Resources

The National Student Loan Data System Using your FSA ID you can access your entire loan history including balances, interest rates, and lender contact information.

Federal Student Aid Loans Access general loan information as well as copies of your MPN and loan correspondence.

US Department of Education 
Attn: Applicant Services
P.O. Box 9002
Niagara Falls, NY 14302
Phone: 1.800.557.7394
Email: codsupport@acs-inc.com

Contact the Department of Education directly for questions regarding your rights and responsibilities or the terms and conditions of your loan.

Payment Help

Are you having trouble making your loan payment? Do not ignore your loan payment in the hopes that it will go away. It is a federal debt that must be repaid! If you are unable to make your loan payments, there are options available for you to reduce or temporarily postpone your payments until you are back on your feet. Visit the FAFSA "How to Repay Your Loans" for more information.

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