Student Registration & Financial Services

Perkins Loans

The federal Perkins Loan is no longer active. Federal law ended new Perkins Loans as of Sept. 30, 2017, with final disbursements permitted through June 30, 2018. 

If you took a federal Perkins Loan from St. Cloud State, your loan servicer is Heartland ECSI. Perkins Loan payments can be made on Heartland ECSI's site

If you are no longer enrolled in school at least half-time (6 credits), you are required to complete repayment/exit counseling

Questions about your Perkins Loan, including deferment, forbearance and cancellation, may be directed to the Minnesota State Student Loan Service Center.