Federal Perkins Loan, Federal Work-Study, and Federal Supplemental - www2 ed 2025

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A Federal Perkins Loan, also referred to as a Perkins Loan, was a need-based student loan offered by U.S. Department of Education from 1958 until 2017. Created as part of the Federal Direct Student Loan Program, the Perkins Loan served to assist American college students fund their post-secondary education.
Perkins Loan Limits As an undergraduate student, you may not borrow more than $5,500 per year, for a total of $27,500. If youre a graduate student, you cannot borrow more than $8,000 per year.
You may be eligible for up to 100% loan cancellation for five years of service if you are a full-time employee carrying out the educational part of a Head Start, pre-kindergarten, or child-care program providing services for high-risk children and families in a low-income community, or supervising the provision of such
If you expand View Loans and select the View Loan Details arrow next to a loan, youll see the more detailed name for that loan. Direct Loans begin with the word Direct. Federal Family Education Loan Program loans begin with FFEL. Perkins Loans include the word Perkins in the name.
A Federal Perkins Loan is a low-interest (5 %) loan for undergraduate and graduate students with financial need. Funds come directly from the U.S. government but Cal State East Bay is the lender and borrowers repay loans directly to the University.
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There are many forgiveness benefits available to Federal Perkins Loan borrowers who perform certain kinds of public service or are employed in particular occupations, such as: Peace Corps and Action Program (including VISTA) volunteers.
PSLF allows qualifying federal student loans to be forgiven after 120 qualifying payments (10 years), while working for a qualifying public service employer.
A borrower is only entitled to one initial grace period. Postdeferment grace perioda 6-month grace period that follows any subsequent period of deferment. A Perkins borrower is entitled to an initial grace period of 9 consecutive months after dropping below 1/2-time enrollment.

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