COVID-19 Information

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Federal Perkins Loans

Note: The Perkins loan program has concluded, following the 2017-18 year.

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.

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