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Perkins Loan Repayment

About the Perkins Loan
The Perkins Loan is a low-interest (5%) loan available to undergraduate students with great financial need. It is a Title IV, campus-based loan, made up of University and federal dollars. UNH is your lender, and the loans are managed by Heartland ECSI.

This is a loan and must be repaid.

Maximum Borrowing Amounts
$1,500 for each year of undergraduate study up to $20,000.

Reference the U.S. Department of Education Student Guide: Federal Perkins Loans for more information.

Distribution of the Perkins Loan
The amount awarded by the Financial Aid Office will be posted to the student’s UNH tuition and fees account in two disbursements during the academic year.

Repayment of the Perkins Loan
You have nine months after you graduate, leave UNH or drop below half-time status before you must begin repayment. This is called a grace period. At the end of your grace period, you must begin repaying your loan.

Credit Bureau Reporting
Perkins Loans will be reported to a national credit bureau. 

Deferment and Cancellation
Under certain circumstances, repayment of a Perkins Loan can be deferred. During deferment, payments are not required and interest does not accrue. After deferment, the borrower is entitled to a post-deferment grace period of six consecutive months.

Types of deferments include:

  • Economic Hardship Deferment
  • Professional Employment Deferment and Cancellation
  • Student Deferment
  • Unemployment Deferment

Contact Information 
Heartland ECSI is the Perkins Loan servicer for UNH. Please make all payments payable to UNH and send them to:

Heartland ECSI
PO Box 718
Wexford, PA 15090


If you require additional information about your account you may contact UNH at:

University of New Haven
Linda Heil
Bursar’s Office
300 Boston Post Road
West Haven, CT  06516
Phone: 203.932.7218
Fax: 203.931.6086