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The Federal Direct Stafford Loan requires you to sign a Master Promissory Note before any funds will be disbursed Your promissory note is in electronic format and you will need to go to to complete. That note is good up to 10 years so long as you continue to borrow. Students may also prepay on these loans without penalty. Federal Direct PLUS Loans are offered to parents of dependent students. UNC requires that parents/students file the FAFSA to determine eligibility for this loan. These loans are equal to the cost of attendance minus other aid that the student accepts. Parents are not obligated to accept a PLUS loan, or can adjust the amount they wish to borrow. This usually means repayment begins during the spring semester, as the loan has two disbursement requirements (one in fall, and o...