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Financial Aid


​​​​​​​​​​​​​​​​​​​Processing Requirements and Conflicting Information

CMU is required by the federal government to review student records before financial aid is processed. Any concerns about conflicting information must be resolved before CMU can disburse financial aid.

If you have any questions about this or other topics, please contact The Office of Scholarships and Financial Aid at (989) 774-3674 or through e-mail at

Early FAFSA for 2019-2020

The 2019-2020 Free Application for Federal Student Aid (FAFSA) is now available as of October 1, 2018.  Most students qualify for some form of financial aid so be sure to file your 2019-2020 FAFSA early.

The 2019-2020 FAFSA will allow students to report tax information from 2017

           School Year

​       FAFSA AvailableTax Year Information to Use
​  Fall 2018 - Summer 2019
​       October 1, 2017
​            2016
​  Fall 2019 - Summer 2020
​       October 1, 2018
​            2017
​  Fall 2020 - Summer 2021
​       October 1, 2019
​            2018

Federal Direct Student Loan Disclosure Statements

Students receiving a Federal Direct Loan will receive a Disclosure Statement from the Federal Loan Origination Center for each new loan. The disclosure statement will provide comprehensive information about the types of loans, loan amounts, the loan period, and anticipated disbursement dates. Save every Disclosure Statement for reference.

If you have decided not to accept the loans offered please send an email to Please be sure to include your full name and CMU ID number with your cancellation request. 

TEN of the Best Webpages & Websites for Financial Aid

  1. The FAFSA Home Page for completing the Free Application for Federal Student Aid (FAFSA).
  2. Federal Student Aid for general Information on Federal Financial Aid Programs
  3. Students NEW to CMU? The Financial Aid Checklist may help!
  4. FASTChoice​ for information on Credit based Private L​​ender Educational Loans
  5. Requirements for the MBS Book Voucher Progra​m

Activate Student and/or Parent Loans

ATTENTION: Returning Central Michigan University students who have previously borrowed a Federal Direct Loan while attending CMU do NOT need to complete another Master Promissory Note or loan counseling.

To receive your Federal Direct Student Loan, you must first complete a Loan Agreement/Master Promissory Note (MPN), the legal document you must sign agreeing to pay back your loan, and complete loan counseling.

The U.S. Department of Education has created an online Loan Agreement/MPN for all NEW BORROWERS ... this online function speeds up processing and eliminates the need to mail paper MPNs.

If you believe you have already completed a Loan Agreement/MPN, please use the website to verify that you have a valid Agreement/MPN on file:

Your Federal Student Aid Identification (FSA ID) is required to complete the online Promissory Note. If you do not have an FSA ID, you can obtain one at

Please start the process to receive your Federal Direct Student Loan before July 15th. If you have any questions, please call CMU's Scholarship & Financial Aid Office at 989-774-3674.

Scholarship Opportunities to Explore

Delegate Access

Students are cautioned never to share their CMU ID and password with anyone. Instead, they may grant parents, spouses, and others access by creating guest access for them. Delegates may be granted access to view tuition and fee charges, view payments received and view financial aid information. Students can add or remove a delegate by signing onto Central Link. Instructions for setting up Delegate Access can be found here.

Learn more about:

Use the Financial Aid Checklist to ensure you have completed the necessary steps to complete the process. Then download the necessary Financial Aid Forms​.

After reviewing this information, if you have specific questions regarding your eligibility or other issues, please contact:

  • ​your local program administrator
  • the CMU Office of Scholarships and Financial Aid at (989) 774-3674 or