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Federal Perkins Loan

The Federal Perkins Loan is a high need, low interest loan awarded to early applicants. It offers a fixed 5% interest rate which is charged during repayment, although interest free while still in school and for up to nine months after leaving school. Since loan funds are very limited, to be considered for a Perkins Loan you must apply before the March 31st priority deadline.

Receiving your Federal Perkins Loan

Once you have received notification that your financial aid award notice is available to view online, log into your e-services account.  Students who have been awarded a Federal Perkins Loan on their official award notice will be sent an email to their BSU student email account from Heartland ECSI within a few days of receiving the award.  It is imperative you read and complete the online process immediately to ensure timely disbursement of your loan.  By completing this online process, you will not need to complete the paper process that requires similar information.  If you have questions, please contact ECSI at 888-549-3274.


Loan Reporting

Perkins loan information will be submitted to the National Student Loan Data System and will be accessible by guaranty agencies, lenders, and institutions determined to be authorized users of the data system.

Loan Repayment

Federal Perkins Loan Repayment and account questions should be referred to:

181 Montour Run Road
Coraopolis, PA 15108
(888) 549-3274

If you think that you are eligible for a deferment, cancelation, or postponement, please contact:

Minnesota State Colleges and Universities
Campus Service Cooperative
1312 Harmon Place
Minneapolis, MN 55403-1969
Toll free outside the Metro area:  1-855-508-4506

Return all forms to:

Bemidji State University
1500 Birchmont DR NE, #5
Bemidji, MN 56601