Who is ACS?
What is eSigning?
What do I need to get started?
What information do I need to have ready to complete the application?
What if I don't want to electronically sign my MPN at ACS?
Do I always have a choice?

Who is ACS?
ACS is a premier provider of diversified business process outsourcing (BPO) and information technology (IT) outsourcing solutions to commercial and government clients worldwide. ACS is a FORTUNE 500 company comprising more than 50,000 people in multiple locations around the world.

ACS offers complete outsourcing solutions to colleges and universities nationwide. ACS services FFELP, Perkins, and Direct Loans for more than 9.3 million borrowers with outstanding loans totaling $113 billion. Their outsourcing solutions include a suite of integrated, web-based products and services designed to east the administrative burden for schools, while facilitating access for students and their parents.

What is eSigning?
The term "eSigning" (also referred to as eSign and eSignature) describes the online ability to electronically "sign" legal papers in lieu of a traditional "wet" or ink signature on physical documents. At ACS, you will have the option to electronically sign your Federal PLUS or Grad PLUS Master Promissory Note (MPN).

By signing electronically, you will be certifying that your have read, understand and fully agree to all of the information contained in the PLUS or Grad PLUS MPN including but not limited to: loan terms, conditions, notices, disclosures, certifications, authorizations, promise to pay, repayment options and rights and responsibilities.

Before you electronically sign your PLUS or Grad PLUS MPN, you must consent (agree) to conduct this transaction electronically. When you provide your consent to conduct this transaction electronically, your consent will be for the sole and limited purpose of completing this transaction. The consent will not cover any future transactions that you may wish to conduct electronically. You will be required to provide a new consent to any future transactions you wish to conduct with us.

What do I need to get started?
To conduct transactions electronically at ACS, you will need the following:

1. Access to the Internet.
2. Internet Explorer version 5.5 or higher (Download newer version of Internet Explorer).
3. In order to review your MPN, you must have Adobe Acrobat Reader version 4.0 or higher installed on your computer (You can download a free copy of Adobe Acrobat Reader).

MAC users may experience difficulties.

What information do I need to have ready to complete the application?
To expedite the application process, please have the following information ready:

1. Driver's License.
2. Two personal references that live in the United States (who have known you for at least three years). Please have their name, address, telephone number and email address ready.
3. Student's social security number.

What if I don't want to electronically sign my MPN at ACS?
At any time prior to submitting your electronic signature, you may opt out of the electronic signature process by selecting one of the MPN print options. This will enable you to print a copy of the PLUS or Grad PLUS MPN on your local printer. In order to print, you must have a laser or ink-jet printer and Adobe Acrobat Reader 4.0 or higher installed. You can download a free copy of Adobe Acrobat Reader.

Do I always have a choice?
Yes, just because you sign one MPN electronically, it does not force you to sign all MPNs electronically. When you provide your consent to conduct this transaction electronically, your consent will be for the sole and limited purpose of completing this transaction. The consent will not cover any future transactions that you may wish to conduct electronically. You will be required to provide a new consent to any future transactions you wish to conduct with us.

You may withdraw your consent to conduct this transaction electronically at any time prior to the submission of your PLUS or Grad PLUS MPN to us. You may withdraw the consent by exiting from the process either by 1) choosing not to continue the process, or 2) closing the Internet connection to us.

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