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A Master Promissory Note (MPN) is an agreement between you ... you'll default on most federal student loans if you have not made a payment in more than 270 days. Defaulting on a federal loan ...

A promissory note is your "I owe you" contract-think of ... flagging details like the 1% origination fee or the 6% late penalty if you miss a payment. Mess up big-time? You're looking at ...