How to Apply

The application process for foreign schools differs from the process for domestic schools in the US.  It is your responsibility to send us the documents we need to make your loan assessment. Please read this carefully. It will save time and inconvenience if you follow each of the steps detailed.

First time applicants wishing to apply for Federal Direct Loans should visit to:

  • apply for your FAFSA
  • for subsidized and unsubsidized loans - complete Master Promissory Note (MPN)
  • for PLUS loans - make application and complete Master Promissory Note (MPN)*
  • complete Entrance Counselling

The University of Aberdeen School Code is G09368 (this code may also appear as 009368).

All of the following documentation has to be sent to in one email:

  • A PDF copy of your completed Master Promissory Note (MPN) for subsidized and unsubsidized loans
  • A PDF copy of your completed Master Promissory Note (MPN) for PLUS loans including confirmation of positive credit check (PLUS correspondence)
  • Confirmation of Entrance Counselling having been completed - screenshot or email 

We can access your FAFSA Student Aid Report (SAR) electronically so there is no need for you to send this document to us. It is used to assess your eligibility so it is important that you review it to ensure you have made any corrections that are necessary.

*It is common for students to borrow their full entitlement through the Subsidized/Unsubsidized loans and then top up their borrowing with the PLUS loan, so remember to complete both MPN's.

There are 3 stages to the PLUS application process. You must:

  • Complete a Master Promissory Note
  • Request a Direct PLUS loan
  • Get confirmation of credit check

The credit check is tied in to the PLUS application process and will show as a document called PLUS correspondence.  An example of the document we need to see can be found here. All documents will be saved as pdfs in the MyLoan Documents tab on the FSA portal.

These documents must be sent in a single email to There is no shortcut around this process.  We can’t assess your eligibility until we have all of your documents.

Continuing students should follow the same processes above but are not required to complete the Entrance Counselling component.

What happens next?

We can’t start work on your loan assessment until you have received and accepted a firm offer of admission for your programme of study.  If your offer of admission is still at the conditional stage or if you haven’t sent your acceptance, you can still send your documents and we will hold them on file until you have completed the admissions process.

If you have any questions about the admissions process contact our undergraduate or postgraduate admissions team for further information.

Assuming you have been cleared for admission, we will assess your eligibility and loan entitlement when you send in your loan documents.  We will prepare a draft Award Letter which confirms your maximum loan entitlement and gives the dates of when disbursements will be made.  We will email the Award Letter to you and ask you to confirm your acceptance of the loan amounts given or to confirm that you wish to borrow a reduced amount.  When we receive your acceptance of the loan amounts, the formal Award Letter will be mailed to you and can be used as evidence of funding to support your visa application.

Origination Fees

The loan figures quoted on your award letter are gross and subject to origination fees (1.069% on Direct Loans, 4.276% on PLUS Loans). Origination fees will be deducted by the US Department of Education at source; therefore your actual net loan payment will be lower.