<p>Thank you both so much for your responses!</p>
<p>I definitely accepted the loans on the Financial Aid Toolkit - but I think Pasbal hit the nail on the head in mentioning the Master Promissory Note. I did complete the entrance counseling when they alerted me to do so, but I do not recall ever filling out the MPN. I found where it says you need to complete that in the FA Toolkit, but it is so casually mentioned among several other similar-looking sentences, that it never caught my eye. I wish they alerted us to do that! 
</p>
<p>I went ahead and completed it, of course. At the end it said my university would be notified within 24 hours that I had completed it. I’m hoping by the time everyone comes back to work on Tuesday they will be able to see it.</p>
<p>Does anyone have any rough estimate of how long this will delay the processing of my loans based on prior experiences? Thanks again for your input. You guys are very helpful.</p>