Types of Deferment

Student Deferment (Continuing Education Deferment)

You may defer repayment of a Perkins Loan if you are enrolled at least half-time in an eligible school. You will not receive a loan billing statement during the deferment period. However, if you wish to pay on your student loans during the deferment period, you may do so interest free.

GRACE PERIOD

You will receive an additional grace period of either six or nine months. Payments are not required and interest will not accrue during the grace period.

APPLICATION PROCESS

When to apply: Wait until the beginning of the applicable semester to have registration certified by your school's Registrar.

  1. Print the form https://ifap.ed.gov/dpcletters/attachments/GEN1602Attach18450011SCHFINAL.pdf
  2. Complete and sign the application
  3. Have your school's Registrar certify your registration
  4. Please forward completed form and requested supporting documents to:

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

You must apply for a student deferment each semester.


Graduate Fellowship Deferment

You may defer repayment on your Perkins loans if you are enrolled and in attendance as a regular student in a course of study that is part of a graduate fellowship program approved by the Department of Education, including graduate or postgraduate fellowship-supported study (such as a Fulbright grant) outside the United States.

GRACE PERIOD

Following this deferment, you will receive an additional grace period of six months. Principal and interest will not accrue during the post deferment grace period.

APPLICATION PROCESS

  1. Print the form https://ifap.ed.gov/dpcletters/attachments/GEN1602Attach18450011GFLFINAL.pdf 
  2. Complete and sign the application
  3. Please forward completed form and requested supporting documents to:

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


Rehabilitation Training Deferment

A borrower may defer repayment if he or she is enrolled in a course of study that is part of a Department-approved rehabilitation training program for disabled individuals.

To receive this deferment, the borrower must provide the school with certification that:

  • the borrower is receiving, or scheduled to receive, rehabilitation training from the agency;
  • the agency is licensed, approved, certified, or otherwise recognized by a state agency responsible for programs in vocational rehabilitation, drug abuse treatment, mental health services, or alcohol abuse treatment; or by the Department of Veterans Affairs; and
  • the agency provides or will provide the borrower rehabilitation services under a written plan that (1) is individualized to meet the borrower’s needs; (2) specifies the date that services will end; and (3) is structured in a way that requires substantial commitment from the borrower.

A substantial commitment from the borrower is a commitment of time and effort that would normally prevent the borrower from holding a full-time job either because of the number of hours that must be devoted to rehabilitation or because of the nature of the rehabilitation.

APPLICATION PROCESS

  1. Print the form https://ifap.ed.gov/dpcletters/attachments/GEN1602Attach18450011RHTFINAL.pdf
  2. Complete and sign the application
  3. Please forward completed form and requested supporting documents to:
    Heartland Campus Solutions ECSI
    ​​P.O. Box 1278
    ​Wexford, PA 15090

Unemployment Deferment

You may defer repayment on your Perkins loan for up to 3 years if you are seeking and unable to find full-time employment.

Principal and interest will not accrue during an unemployment deferment.

GRACE PERIOD

Following an unemployment deferment, you will receive an additional grace period of six months. Principal and interest will not accrue during the post deferment grace period.

APPLICATION PROCESS

  1. Print the form https://ifap.ed.gov/dpcletters/attachments/GEN1602Attach18450011UNEMFINAL.pdf
  2. Complete and sign the application
  3. Please forward completed form and requested supporting documents to:

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


Economic Hardship Deferment

You are entitled to an economic hardship deferment for periods of up to one year at a time, not to exceed three years cumulatively, if you can provide satisfactory documentation.

Principal and interest will not accrue during an economic hardship deferment.

GRACE PERIOD

Following an economic hardship deferment, you will receive an additional grace period of six months. Principal and interest will not accrue during the post deferment grace period

APPLICATION PROCESS

  1. Print the form https://ifap.ed.gov/dpcletters/attachments/GEN1602Attach18450011HRDFINAL.pdf
  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


Military Service Deferment

If you are serving on active duty in the U.S. armed forces or performing qualifying National Guard duty, you may defer repayment (principal or interest) on a Perkins Loan if the duty is in connection with a war, military operation, or national emergency.

GRACE PERIOD

You will receive an additional six-month grace period. Payments are not required and interest will not accrue during the post-deferment grace period.

ADDITIONAL 180 DAYS

A 180-day period will also be added to each military deferment following the borrower's demobilization. Combined with the grace period (mentioned above), the loan will re-enter repayment approximately one year following demobilization.

APPLICATION PROCESS

  1. Print the form https://www.ecsi.net/bwr/forms/ecsi/military_Def.pdf
  2. Complete and sign the application
  3. Please forward completed form and requested supporting documents to:

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


Post-Active Duty Student Deferment

Effective October 1, 2007, borrowers who are members of National Guard or Armed Forces Reserve, and members of the armed forces who are in retired status, are eligible for a 13-month period of deferment on repayment of their Perkins loans following the completion of their active duty mili­tary service if they were enrolled in a postsecondary school at the time of, or within six months prior to, their activation. Reserve or retired members of the Armed Forces may qualify for both the post-active duty deferment and for the military service deferment, and may receive both defer­ments if eligible. If a student receives both deferments, the overlapping periods of deferment will run concurrently.

GRACE PERIOD

You will receive an additional six-month grace period. Payments are not required and interest will not accrue during the post-deferment grace period

APPLICATION PROCESS

  1. Print the form https://www.ecsi.net/bwr/forms/ecsi/military_Def.pdf
  2. Complete and sign the application
  3. Please forward completed form and requested supporting documents to:

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