Apply for a Stafford Loan

Three easy steps to college access

1. FAFSA First – Determine your need for financial aid by submitting the Free Application for Federal Student Aid (FAFSA). The FAFSA is available online at www.fafsa.ed.gov. Completingt the FAFSA online will speed up your loan process. If you need assistance with the FAFSA, our ESF counselors will be happy to assist. You may call ESF toll-free at 1.800.986.4322.
   
   
2. Show Me the Money – A Student Aid Report (SAR) will be sent to you and the colleges you indicate on the FAFSA, and the schools will use these results to determine your financial need. Once you've been accepted for admission and the financial aid office at the school of your choice has determined your financial aid eligibility, you'll receive a financial aid award notification detailing the types of awards for which you are eligible. Student loans may be a part of your award package.
   
   
3. Choose ESF – If you are eligible for federal student loans, choose Education Services Foundation (ESF) for a convenient online loan application and fast processing of your loan proceeds. Simply indicate on your award notification or notify your school that you have chosen Education Services Foundation - Lender Code 833575 as your lender.

Each school determines the method by which loans will be processed. You will need to complete a Stafford Loan Master Promissory Note (MPN) which is a legal document that must be signed to obtain a loan. It will include information about your interest rate, deferment and cancellation provisions and other information. It's very important to read and understand this document because by signing it you promise to repay the loan.

If your school directs you to your lender to complete a Stafford Master Promissory Note, you may access our Stafford Master Promissory Note in two ways:

• click here to complete the MPN online - you may then either sign and submit it electronically or print it out, sign and mail.

• OR click here for a blank MPN which you may print out, complete, sign and mail to us at:

                                                     Education Services Foundation
                                                     Student Loan Division
                                                     P. O. Drawer 55909
                                                     Jackson MS 39296

Don't have a printer? No Problem. Just call us toll free 800.986.4322 and we'll send you the proper forms right away.

Need assistance? Call us toll free at 800.986.4322 or send an email.