Loans require repayment, with interest, usually beginning six or nine months after the student graduates, withdraws from school, or is enrolled less than half-time. There are four federal loan programs available to Purdue University Calumet Students: Direct Stafford Loans (subsidized and unsubsidized), Perkins Loans, Parent Loans to Undergraduate Students (PLUS), and Graduate PLUS Loans. The loans are funded by the federal government and Purdue University Calumet awards and disburses them to students.

Direct Loans

Direct Loans are low-interest loans for students and parents to help pay for the cost of a student’s education after high school. The lender is the U.S. Department of Education (the Department), though the entity you deal with, your loan servicer, can be a private business.

With Direct Loans, you

  • Borrow directly from the federal government and have a single contact—your loan servicer—for everything related to repayment, even if you receive Direct Loans at different schools.
  • Have online access to your Direct Loan account information via your servicer’s website.
  • Can choose from several repayment plans that are designed to meet the needs of almost any borrower, and you can switch repayment plans if your needs change.

Students accept or decline Direct Loans on PCSTAR. If this is your first Direct Loan, you may electronically complete Your Master Promissory Note (eMPN) and your loan entrance counseling at


More Direct Loan Information

Interest Rates

Graduating Students with Direct Loans

Loan Entrance Counseling

Loan Exit Counseling

Master Promissory Note

Loan Repayment Calculators

Income-Based Repayment

Direct Loan Consolidation

Direct Loan Forgiveness Progam for Teachers

Public Service Loan Forgiveness Program

Grant/Loan Overpayment Resolution Instructions

Loan Default Resolution Instructions

Parent Loans

Parents of dependent students may apply for a Direct PLUS Loan to help pay their child’s education expenses as long as certain eligibility requirements are met.

To apply for the Direct PLUS loan one parent must complete the PLUS request process at A credit check is required. You may electronically sign an electronic master promissory note (eMPN) at, if required.

Graduate PLUS Loans

Graduate and professional degree students can borrow a Direct PLUS Loan to help cover education expenses. For a Graduate PLUS Loan, you must complete a Direct PLUS Loan Application and Master Promissory Note (MPN) at A credit check is required. If this is your first Graduate PLUS Loan, you may electronically complete your loan entrance counseling at also.

Perkins Loans

If this is your first Perkins Loan you will need to sign the corresponding Master Promissory Note and complete entrance counseling. Educational Computer Systems Inc. (ECSI) provides all servicing for Federal Perkins Loans. Once you have accepted your Perkins Loan you will receive an email from ECSI with further instructions or you may log on to to complete the requirements electronically.

Private Education Loan Applicant Self-Certification

Private Education Loan Applicant Self-Certification Instructions

Private Education Loan Applicant Self-Certification Form (PDF)

Other Links

NSLDS – National Student Loan Database System

FastWeb Quick Reference Guide – Repaying Student Loans(PDF)

FastWeb Quick Reference Guide – Choosing Student or Parent Loans(PDF)