Master Promissory Note

Federal Perkins & University Loans

A Master Promissory Note (MPN) must be signed prior to the disbursement of Federal Perkins or University loans to the student account.


The MPN will cover loans awarded under a specified loan type for up to ten years. Please note, there are separate MPN(s) for Federal Perkins and University loans.

Wait for an Invitation

If you have been awarded a Federal Perkins and/or a University loan, an invitation to electronically sign your MPN will be e-mailed to you in July. You must have an active Penn State Access Account and be registered for classes.

How do I sign?

Once you receive the e-mail invitation, complete the following steps:

  1. Go to Heartland ECSI’s Electronic Signature Web site
  2. Login using your Social Security Number, First Name, Last Name, and Date of Birth
  3. Follow the instructions
    • For University loans, you will be prompted to enter a PIN number. This number is provided to you in the e-mail invitation you received

Please contact us if you have any questions concerning your MPN or our electronic signature Web site.

Federal Direct Stafford Loans

Federal Direct Stafford loans are not serviced by Student Financial Services. Please refer to the Office of Student Aid for signature procedures regarding your Federal Direct Stafford loans.