Basic Information

A Perkins Loan is a low-interest (5%) loan for students with exceptional financial need, as determined by the FAFSA. The interest is paid by the federal government during the in-school and 9-month grace periods. There are no origination fees. The Perkins Loan is awarded to a limited number of students each semester. Southeast Missouri State University is the lender for this loan.

Southeast Missouri State University awards a maximum of $4,000 per academic year.

  1. File a FAFSA by our early application deadline of February 1 and have indicated on the FAFSA an interest in student loans.
  2. Once your financial aid eligibility is determined, the student will receive an award notification through their Southeast email account.
  3. Please visit the Southeast Portal ( ) to access the online award letter, as instructed. You may accept all or a portion of your loans. All terms and conditions of the loans should be read before accepting the awarded loan amounts.
  4. Requirements for the Perkins Loan:

You are responsible for repaying the amount of the loan plus interest to Southeast Missouri State University. There is a 10-year repayment period. The Perkins Loan also offers many loan forgiveness programs.

Southeast Missouri State University utilizes the loan management services of Heartland ECSI for the Perkins loan program. For more information regarding Perkins loan exit counseling, repayment, loan deferment, or loan cancellation you may contact Heartland ECSI by calling (888) 549-3274 or by visiting


Academic Hall Room 019
Student Financial Services
One University Plaza, MS 3740
Cape Girardeau, Missouri 63701