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How To Apply

What do I need to know when selecting a lender?

Depending upon your needs and the preferred application process of the institution you plan to attend, we have a variety of options available for applying for a loan. Note: Please consult with your school's financial aid office on their preferred process.

Apply/E-Sign OnLine
Use T.H.E's safe and secure online Account Access (aka THEO Online) system to apply for a T.H.E. loan over the internet 24 hours a day, 7 days a week, 365 days a year.
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If your school has directed you to the E-Sign (MPN Only) Option, then choose the applicable E-Sign option: Stafford or Graduate PLUS. You will need your FAFSA PIN number to complete the E-Sign process.

Download a blank Application
Prefer to use a traditional loan application? Download the appropriate form from the list below.
 Download  Graduate Business Master Promissory Note (Stafford MPN)
This form must be completed and returned to T.H.E. before a certified T.H.E. Graduate Business Stafford Loan can be disbursed.
 Download  Graduate PLUS Loan Application
Complete this form and then contact the school your student is enrolling in for their preferred method of processing.
 Download  Graduate PLUS Endorser Addendum
Complete this form to add a Endorser to your application/Master Promissory Note.
 Download  Private Promissory Note
This form must be completed and returned to T.H.E. before a certified T.H.E. Private Loan can be disbursed.
 Download  Cosigner Addendum Form
Use this form to amend a previous application or promissory note for a T.H.E. Private Loan.

You will need Adobe Acrobat Reader to view these documents. You can obtain a free copy of this software here.

Mail me a Paper Application
Would you prefer that a blank application form be sent directly to you?
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Apply over the phone
Call a T.H.E. Customer Service Representative: 1-888-843-3095
Monday through Friday from 7:00 a.m. to 5:00 p.m. Central Time