• Dewar Union, Hartwick College
  • Yager Bell Tower, Hartwick College
  • Yager Hall, Hartwick College
  • Hartwick students walking outside of the Johnstone Science Center

Loans - Student and Parent

There are many options for funding an education, including federal and alternative loans, as well as payment plans. Listed below is more information on these options, as well as links for completing the application processes. You should always exhaust your federal options before applying for alternative loans.

Does your package include a Direct Federal Stafford Loan? If you have never had a Federal Stafford Loan, you can complete the required Entrance Counseling and Master Promissory Note online. Please note that your loan cannot be processed until you have completed both the Entrance Counseling and Master Promissory Note.  You will need your FAFSA PIN number to complete the Federal Direct Stafford Loan.  

First-time Federal Perkins and Nursing Loan borrowers need to complete entrance counseling and a master promissory note:

  1. Log on to ECSI's Web site at www.ecsi.net/prom30.
  2. Provide your Social Security Number, last name, and date of birth.
  3. Provide your PIN when requested on the Student Authentication Network page.
  4. Most pages require that you accept the terms by checking a box at the bottom of those pages.
  5. You must provide complete reference information for yourself, next of kin, and two additional references. Failure to complete all lines accurately will keep this loan from disbursing to your account.
  6. PROMISSORY NOTE - Read completely. Electronically sign at the bottom of the promissory note page. The electronic signature includes a check-off box plus your full legal name.

Previous borrowers of the Federal Perkins and Nursing Loans have completed a Master Promissory Note (MPN), which is good for all future borrowing.

Direct Federal PLUS Loan parent borrowers may complete the online Master Promissory Note (MPN) here. Note: A denial of the Direct Federal Parent PLUS Loan qualifies a student for additional unsubsidized Stafford Loan funds ($4,000 for first- and second-year students; $5,000 for third- through fifth-year students). The denial must be applied for and received every year before the Stafford funds can be certified.

Students may also apply for a variety of alternative or private student loans to cover costs after exhausting all their federal loan options. Because credit approvals are typically good for 90 days, you should apply no earlier than 90 days prior to the start of the semester. For students who have previously borrowed an alternative student loan, we recommend you renew your application with your current lender. More...

Other financing options to cover the cost of attendance include the Tuition Payment Plan.

Your Federal PIN can give you access to the National Student Loan Data System, where you can check status of your previous loans.