Deferment and Forbearance


What situations qualify for Perkins deferment and how do I apply?

A deferment is a period during which you are not required to make payments on your Perkins loans.  Deferments are not automatic and you will need to submit a request to our loan servicer ECSI. Some deferments delay repayment of both principal and interest, while others continue to accrue interest or require interest payments. Timely submission of a properly certified deferment form is crucial: lateness in submitting a deferment form has the same adverse consequences as lateness in paying.  Please file for deferment as soon as you are eli­gible. You will be expected to maintain scheduled loan payments until you are notified that your deferment has been approved. 

If you have a loan other than a Perkins loan, contact ECSI at 888-549-3274 to discuss the options that are available to you.

A borrower is not entitled to a deferment on a defaulted loan.  However, there are circumstances in which a deferment may be granted when a loan is in default.  Contact the Billing and Loan Collections office at 319-335-0071 for details.

The following chart includes a list of deferment provisions for Federal Perkins Loans.

Situations When You May Apply for Deferment Deferment Available for Perkins Loans?
During a period of at least half-time enrollment
in college or career school
Student Deferment (Continuing Education Deferment)
During a period of study in an approved graduate
fellowship program or in an approved
rehabilitation training program for the disabled
Graduate Fellowship Deferment
Rehabilitation Training Deferment
During a period of unemployment or inability
to find full-time employment
Yes (for up to 3 years)
Unemployment Deferment
During a period of economic hardship
(includes Peace Corps service)
Yes (for up to 3 years)
Economic Hardship Deferment
During a period of active duty military service 
during a war, military operation, or national
Military Service Deferment
During the 13 months following the conclusion
of qualifying active duty military service, or until
you return to enrollment on at least a half-time
basis, whichever is earlier;
-IF you are a member of the National Guard or 
other reserve component of the U.S. armed
-AND you were called or ordered to active duty
while enrolled at least half-time at an eligible
school or within six months of having been
enrolled at least half-time
Active Duty Student Deferment

Other Options:

If your loan is not eligible for any deferment listed above and you are unable to meet your scheduled payments, you may apply for forbearance.


What is forbearance and how do I apply?

Interest will continue to accrue during forbearance. You will receive monthly bills for the accrued interest. Although you are not required to pay the interest each month, we recommend that you do to avoid facing a high interest payment at the end of the forbearance period. Forbearance offers no post deferment grace period and accrued interest cannot be capitalized.


Following forbearance, there is no post forbearance grace period.


  1. Print the form
  2. Complete and sign the application
  3. Provide supporting documentation for income and expenses listed on the application (e.g. pay stub, etc...)
  4. Please forward completed form and requested supporting documents to:

Heartland Campus Solutions ECSI
P.O. Box 1278
Wexford, PA 15090