Loans and Entrance/Exit Counseling


The Federal Direct Unsubsidized Stafford Loan Program offers long-term, low interest education loans to students. In order to determine your eligibility and qualify, you must complete the Free Application for Federal Student Aid (FAFSA: and be enrolled at least half-time (4.5 hours for Divinity) each semester. Information regarding eligible amounts will appear on your financial aid award letter.

Repayment for Federal Direct Unsubsidized Stafford Loans begins six months after you graduate, withdraw, or drop below half-time. First-time Federal Direct Unsubsidized Stafford Loan recipients at Gardner-Webb must complete "Loan Entrance Counseling" before funds can be disbursed. Recipients must also complete a Federal Direct Loan Master Promissory Note (MPN). Please refer to the loan section of our web page for more information.

The Federal Direct Unsubsidized Stafford Loan is based on the cost of education as well as annual and aggregate (overall) loan limits. Funds from this loan are disbursed each term according to your award notification and promissory note disclosures. Interest on this loan begins to accrue as soon as you receive it.

Entrance Counseling

Complete Loan Entrance Counseling - If you are a first-time borrower you must complete Loan Entrance Counseling, as required by the U.S. Department of Education, before any loan funds are disbursed to your student account. By clicking the link below, you will be able sign in and select the Entrance Counseling session for Stafford Loans. An electronic confirmation will be sent to Gardner-Webb once the counseling session is completed.

Steps to complete Stafford Entrance Counseling

Click here to complete your Loan Entrance Counseling session.

Federal Direct Stafford Loans (Subsidized or Unsubsidized)

Complete Your Federal Direct Stafford Loan Master Promissory Note - The U.S. Department of Education serves as the lender for all Direct Stafford Loans. As part of accepting your student loan, you must complete the required Federal Direct Stafford Loan Master Promissory Note (MPN). Once completed, it will be used as long as you are enrolled at Gardner-Webb. The Dept. of Education will send Gardner-Webb an electronic confirmation once you complete this requirement. REMEMBER — The Dept. of Education will not disburse your loan funds until the MPN is completed!

Information You Need Before Completing Your Federal Direct Stafford Loan Master Promissory Note:

  • U.S. Department of Education PIN Number (This is the same PIN Number used to complete your FAFSA; if you do not know your PIN Number you can retrieve it at
  • Driver’s License Number
  • Two references with complete addresses

Steps to complete Stafford MPN

Click here to complete your Federal Direct Stafford Loan Master Promissory Note.

Alternative Loans

Alternative Loans are an option when additional funding is needed to meet your educational expenses. Gardner-Webb University does not have a Preferred Lender List; therefore, we do not promote or endorse any specific lender. Students are free to choose any lender they wish. We may ask for additional information regarding your lender before completing certification of your Alternative Loan.

Steps for utilizing FASTChoice

FASTChoice is a tool which provides the lenders that students historically have used to fund their Alternative Loan needs at Gardner-Webb. It allows students and parents the ability to search, compare, and apply for alternative loans.

Exit Counseling Graduation Candidates

Congratulations! The U.S. Department of Education requires that all graduates complete an exit counseling session prior to graduation. You will receive a notification from the Financial Planning Office when it is time for you to complete this requirement. You will be able to visit the National Student Loan Database Student Access website to complete the counseling session. Once prompted by the Financial Planning Office, please visit the link below, in order to fulfill this requirement, so that there are no road blocks to obtaining your degree.

Complete Exit Counseling