mobile icon

  Loan Process Overview

We begin reviewing applications for federal aid in April each year

​If you would like to apply for US Federal Loans then you must firstly establish your eligibility by filling out the Free Application for Federal Student Aid (FAFSA). You must do this online at When completing your FAFSA, you must list Edinburgh Napier University as your school.  Our school code is G34184.

Federal and State deadlines for completing the FAFSA can be found on their website. There is also a very good video that's worth watching.

Once you have submitted your FAFSA, a Student Aid Report (SAR) is produced. We need this document to determine your loan eligibility.

As we are a foreign school, even if​ you have listed Edinburgh Napier University as your school, your SAR will not be sent to us automatically by the US Department of Education. Therefore please ensure that you email us at to confirm that you have submitted your FAFSA.

Once we have reviewed confirmation that you have completed your FAFSA, we will provide you with a cost of attendance for your programme from April onwards. This will give you an indication of your expected costs for the duration of your studies.  You can then give us indication of what you intend to borrow and we will review your SAR.  You will also need to confirm your programme information, any scholarships received and complete a number of loan documents required for each loan.

​In due course, when you have carried out the relevant ‘next steps’ outlined by the University, your loans will be originated. These ‘next steps’ include completing entrance counselling and signing Master Promissory Notes for each loan you are borrowing.

Please note you will have to complete a FAFSA and carry out the necessary steps for each year of study here.

​Please use the checklist below to make sure you have completed all the relevant steps. There's also a handy flowchart which you may find useful

US Federal Loan Process-Checklist 

​Selective Service

If you are male, have you signed up for selective service?

If your answer is no; Have you attached proof you are exempt from selective service?

​Master Promissory Notes (MPN):

Have you completed your Stafford MPN?

Have you applied for a PLUS Loan by completing the PLUS loan request process?

If your answer is yes; Have you completed your PLUS MPN?

Have you received a successful credit check?

If you have an endorser, have they completed an endorser addendum?

​Entrance Counselling

Have you attached your entrance counselling for your Stafford and PLUS loan?

How much do I need to borrow?

It’s important to remember that you have to pay back your loans so only borrow what you need. You do not have to borrow the full cost of attendance.

When can I apply?

Please note students should not apply for loans until mid-June at the earliest when the US Department of Education has updated its software to meet annual requirements.

Students requiring a Notification of Loan Award letter for visa purposes are advised to aim to have their loans originated by August.

Loans may only be originated when you have accepted an unconditional offer of a place on a programme at Edinburgh Napier University (new student) or that you have satisfied the regulations within the University’s Satisfactory Academic Progress form (continuing student).

Cancellation Policy

If you wish to cancel or reduce a loan at any stage of the academic year, a minimum notice of 10 business days is required prior to the next disbursement. Please email clearly affirming if you wish to cancel the entire loan or a disbursement. To reduce your loan, you must clearly state the $ USD amount you wish to reduce your disbursement by.

WARNING - if we do not receive the minimum notice of 10 business days, then your disbursement will be released and you will be responsible for its repayment and any interest charges.​ | Edinburgh Napier Mobile App