Many students take advantage of the opportunity to use low interest federal student loans to help fund the cost of earning a Christian higher education. Though loans can be necessary for some students and are considered an investment in your future, students should only borrow the amount that is needed for them to afford to complete their degree.  SAGU informs students of the loans they are eligible to receive through the FAFSA or from other sources.  You do not have to take out loans if you do not wish, and you can reduce the amount of the loan if you wish.  Please contact the This email address is being protected from spambots. You need JavaScript enabled to view it. if you have any questions.


Loans FAQ

What do I need to do to receive my loans?

  • Complete a new Master Promissory Note (MPN): You will need to sign a new MPN with the federal government if you plan to borrow a loan. To sign your new MPN for the Direct Loan program, please visit as soon as possible. You will need the same PIN you used to complete your FAFSA to login to this website. Once you login, click on the link on the left hand side that says “Complete MPN.”
  • Complete Entrance Counseling if you are a first time borrower: If you are a first time borrower and have never received a student loan, then you will be required to complete loan Entrance Counseling. You can complete your Entrance Counseling online at
  • Accept your student loans in your mySAGU Student Portal (only if you wish to receive loans): Once your FAFSA results are processed, you will receive an Award Letter that details the financial aid that you are eligible to receive. If you wish to receive student loans, then you are required to officially accept them. After you login to your mySAGU Student Portal, click on the link that says “My Financial Aid” to accept or deny your student loans. If you wish to receive a loan but for a different amount that you have been awarded, please contact the Financial Aid Office.

How does loan repayment work?

Defaulting on a student loan can have serious consequences. Therefore, it is important to make plans now regarding the repayment of your loans. Please click here for detailed information and tips on paying back your loans, repayment options, loan consolidation, and budgeting tips.

Helpful Information on Default and Repayment options for struggling borrowers (PDF).

What are other loan resources?

  • This site is your source for information from the U.S. Department of Education about the Direct Loan program and how to manage your student loans. You can complete your MPN, and Entrance/Exit Counseling on this site.
  • The Federal Direct Consolidation Loan website that gives information on how to consolidate students loans from different lenders, including students with both FFEL and Direct Loans.
  • Complete your Free Application for Federal Student Aid (FAFSA).
  • A great source for free information from the U.S. Department of Education on preparing for and funding your college education.
  • Adventures In Education (AIE) has college planning resources, financial aid information, career guidance and money management tips to help families and students achieve their educational goals.

What if I still have loan questions?

Our Financial Aid Office Team is here to serve you. Please contact us with any financial aid questions. We look forward to serving you.

  • Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
  • Phone: (972)825-4730
  • Visit the Financial Aid Office in the Davis Building.


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