Virtually all students who complete the FAFSA will be awarded a Federal Direct Loan (Subsidized or Unsubsidized). If it is your student’s first Federal Direct Loan, he/she is required to complete an Electronic Master Promissory Note (EMPN) and Entrance Counseling to receive the loan funds. Entrance Counseling is a short tutorial designed to educate your student about student loans (interest rates, repayment options, rights and responsibilities, etc.). All first-time Federal Direct Student Loan Borrowers need to complete Entrance Counseling on the web. If your student is a first-time borrower and does not complete the EMPN and Entrance Counseling, loan funds will not disburse to your student’s account.

If your student previously received Federal Direct Student Loans, he/she needs to confirm the loans online each year. Loans will not disburse to student accounts until they are confirmed.

Your student may complete an EMPN, complete Entrance Counseling, or accept their loans by doing the following:

1. Visit the Office of Student Financial Aid and Scholarships online at http://www-sfa.chubb.ohiou.edu
2. Click on "My Fin.Aid@OHIO" and then "Award Offer"
3. Follow the appropriate links in the Award Offer to complete the EMPN, Entrance Counseling, or accept the loan.

Please encourage your student to complete the necessary steps to receive loan funds.