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Loan Requirements 

Master Promissory Note- Federal Direct Loans
First time borrowers must complete a Master Promissory Note (MPN) prior to receiving loan funds. The MPN defines the conditions under which you are borrowing and the terms under which you agree to pay back the loan. The MPN for the Federal Direct Loan programs is completed online at www.studentloans.gov.
 
Loan Entrance Counseling- Federal Direct Loans
 Prior to receiving a disbursement of a loan, students must also complete loan entrance counseling. The purpose of loan counseling is to ensure you fully understand your rights as a borrower. Students can complete the loan counseling at www.studentloans.gov.
 
Promissory Note and Loan Entrance Counseling- Perkins Loan
First time borrowers in the Perkins loan program must also complete a promissory note and loan counseling. The promissory note and loan counseling for Federal Perkins loans can be done online at www.ecsi.net.
 
Withdrawing, enrolling less than half-time, or graduating?
 
If you are leaving CMA or enrolling half-time or less, you will need to complete Exit Counseling for your student loans. Exit counseling goes over your repayment options and gives you tools and resources as you enter in to repayment.
 
Federal Direct Loans
Loan exit counseling for your federal direct loans is done at www.studentloans.gov.
 
Perkins Loan
Perkins Loan exit counseling is done through www.ecsi.net. You will get an email from ECSI when your exit counseling is ready for you to review and complete.
 
Calculate Your Monthly Loan Payment
 
Use this loan calculator to estimate how much your monthly loan payment will be after you graduate from Cal Maritime.