TWO REQUIRED STEPS FOR YOUR STAFFORD LOAN(S)

1. Complete the REQUIRED Entrance Counseling Form. THIS IS A REQUIRED STEP.
2. Complete the Master Promissory Note through the links from the lender's Web site. A MASTER PROMISSORY NOTE IS A REQUIRED STEP.
   
   You may select a lender from one of our six (6) preferred lenders (Chase,Bank of America, Citibank, Edamerica, Wachovia, or Sallie Mae Education Trust). Links to these lenders are located on the Preferred Lenders page. After reviewing options offered by many lenders, the Financial Aid Office selected these lenders because of the excellent benefits and services offered to students and parents. Benefits and service to our students and parents are the most important criteria for us. You have the right and ability to select a lender that does not appear on this list, and you will not incur a penalty for choosing another lender. The lender is the institution from which the money is actually borrowed, but the interest rates and terms of the loan are set by the U.S. Department of Education. Some lenders offer special incentives that reduce your loan balance or lower your interest rates. You should visit lenders' Web sites for more information.

When you have successfully completed these steps, the CIA will be notified by your lender, and the funds from your loan will be disbursed to your account at the CIA after the start of the semester.