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Perkins Loan is a federal loan that is a need-based loan awarded to students who have exhausted all other means of financial aid. Repayment begins 9 months after graduation, upon withdrawal from the university, or when a student is no longer enrolled at least half-time. Interest accrues at 5% annual during repayment. The minimum monthly payment for a Perkins Loan is $40.00. Late fees are assessed on past due payments. Your loan balance and repayment history are reported monthly to National Credit Bureaus in accordance with federal regulations.

After a student is awarded a Perkins Loan, a master promissory note must be completed.  To execute a master promissory note, you will need to come by the Student Accounts Office.  A properly executed promissory note is required before the loan is disbursed.

Upon graduation, withdrawal from the university, or when a student drops below half-time status, students are required to complete an exit interview.  Exit interview information will be mailed to your mailing address in the Banner System approximately 2 weeks before graduation.  The exit interview information must be completed and returned to the Student Accounts Office prior to graduating.  If you do not complete the exit interview, your university records will be flagged which would prevent you from receiving services from the university.  If you do not receive an exit interview package and you are graduating, please contact the Student Accounts Office.

Repayment can be deferred if you are enrolled at least half-time at an eligible institution and for performance of certain services.  To receive information regarding different types of deferments and cancellations, visit or call ACS at 1-800-826-4470.

If you need further assistance concerning your Perkins Loan, please call (229) 931-2013 or email:

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