Application process

Eligible US students wishing to borrow loans should start the loans process by completing the Free Application for Federal Student Aid.

Free Application for Federal Student Aid (FAFSA)

Complete the FAFSA which can be done on line at Federal Student Aid from 1st October 2016.  You will require an FSA user ID which gives you access to Federal Student Aid’s online systems and can serve as your legal signature.

Include Newcastle University’s school code (G08460) in the appropriate place on your FAFSA for consideration for aid to study at the University.

Once your FAFSA is completed and processed you need to contact us at the following e-mail address: us-loans@ncl.ac.uk. We will then determine your eligibility for a loan as stipulated by the US Department of Education and provide you with your cost of attendance.

E-sign your Master Promissory Notes (MPN)

The Master Promissory Note is a legal document you sign when you enter into an agreement with the US Department of Education for your student loan. By signing the MPN you're agreeing to the terms and conditions of your loan (s). It includes any information about the grace period, deferment or cancellation provisions, and the borrower's rights and responsibilities with respect to the loan. You can complete and sign the MPN at studentloans.gov using your Federal student Aid ID. After you sign in, choose Complete MPN and then select Subsidized/Unsubsidized. Follow the four-step process listed on the studentloans.gov web site to sign your MPN. If you are intending to apply for the Grad Plus Loans you will need to complete a separate MPN and credit check for the Grad Plus Loan on studentloans.gov .

Entrance counselling

It is a US legal requirement that all first time Stafford borrowers complete loan counselling which advises them on the different loans available and repayment methods. This must be done at studenloans.gov before your 1st disbursement is released.

Credit check - PLUS loan borrowers only

To qualify for a Direct PLUS Loan, you must not have an adverse credit history, as defined in the Department’s regulations. 

If you have an adverse credit history, you may still be eligible for the loan

1) by obtaining an endorser who does not have an adverse credit history and agrees to repay the loan if you do not or

2) by documenting extenuating circumstances that meet the Department’s requirements.

  • To complete a Direct PLUS Request electronically, you must have a Federal Student Aid ID.  This is the same ID used to complete the FAFSA.

After you complete your Direct PLUS Request, the Department will conduct the credit check and notify you and us of the results. The credit check is valid for 180 days and should be completed at studentloans.gov

Additional PLUS counselling

The regulations added a requirement that PLUS Counselling must be completed by Direct PLUS Loan applicants (by parents of dependent undergraduate students as well as graduate/professional students) with an adverse credit history who qualify for a Direct PLUS Loan by obtaining an endorser who does not have an adverse credit history, or who document to the satisfaction of the Department that there are extenuating circumstances related to the adverse credit information.

Confirmation of Direct Loan Letter

After your student loans have been set-up the University will issue you with a Notification of Student Loans letter. This letter has already been approved by the UK Border Agency and will be accepted to obtain a UK entry visa. The letter will detail the loan funds available to you and the disbursement dates.