Federal Perkins Student Loans

Are you eligible for a loan that you may not have to pay back? Perkins Loan recipients may have their loans forgiven by working as a:

  • Teacher in a designated low income school listed in the 'Federal Register'
  • Staff member performing qualified service under the Headstart Act or in a pre-kindergarten or child care program
  • Special Education Teacher or qualified provider of Early Intervention Services / Teacher of the Handicapped
  • Teacher of Mathematics, Science, Foreign Languages, Bilingual Education (loans after 7-23-92)
  • Law Enforcement/Public Defender Attorney/Corrections Officer for an eligible Local, State, or Federal Agency
  • Nurse or Medical Technician
  • Service Agent providing or supervising the provision of services to High Risk Children for Low-Income Communities and families of such children
  • Member of the military
  • Peace Corps volunteer or volunteer under the Domestic Volunteer Service Act (ACTION Program)
  • Full-time firefighter in service with a local, State, or Federal fire department or fire district
  • Full-time faculty member at a Tribal College or University
  • Librarian with a master's degree in library science who is employed in an elementary or secondary school that qualifies for Title I funding, or in a public library that serves a geographic area that includes one or more Title I schools
  • Full-time speech language pathologist with a master's degree and working exclusively with title I eligible schools

What is a Federal Perkins Loan?
A Federal Perkins Loan is a low-interest (5%) loan for both undergraduate and graduate students with exceptional financial need. (Interest does not begin to accrue until nine months after you cease to be at least a half-time student.)

Who is the lender?
Your school is the lender. (The loan is made with government funds with a share contributed by the school. The loan is repaid to the school.)

How much can I borrow?
Depending on your eligibility:

  • Up to $5,500.00 for each year of undergraduate study.
  • Up to $8,000.00 for each year of graduate or professional study.

Who should I contact if I want to apply for a Perkins Loan?
Eligibility is determined by the Financial Aid Office. They will be happy to answer any further questions, regarding your eligibility, and will advise you on how to apply for a loan.
Phone: (559) 278-2182
Location: Joyal Administration Building, Room 296
Information can be found at: Financial Aid Website

Who should I contact if I have questions regarding cancellation benefits?
Counselors in Perkins & Nursing Loan Counseling Services will be happy to answer your questions.

Please call the counselor according to your last name:

Last Name Counselor Phone #
A-Le Catalina Reyna-Navarro 278-4053
Li-Z Melissa Waite 278-4168

Location: Joyal Administration Building, Room 156

Cancellation Benefits

Teacher Cancellation: 100% of a Perkins Loan may be cancelled, over a five year period, if the borrower has been employed full time as a teacher in a school serving students from low-income families; as a special-education teacher, including teachers of infants, toddlers, children, or youth with disabilities; or as a teacher in the fields of mathematics, science, foreign languages, or bilingual education or in any other field of expertise that is determined by a state education agency to have a shortage of qualified teachers in that state. Effective 8/14/08 : This cancellation benefit was expanded to include teachers employed in a designated low-income elementary or secondary school who are employed by an educational service agency or at a location operated by an educational service agency. The location eligibility is determined by the Department of Education.

Early Intervention Cancellation: 100% of a Perkins Loan may be cancelled, over a five year period, if the borrower has been employed full time as a qualified professional provider of early intervention services in a public or other nonprofit program under public supervision.

Head Start, Pre-Kindergarten or Child Care Cancellation: 100% of a Perkins Loan may be cancelled, over a five year period, if the borrower has served full time as a professional staff member of a preschool program carried out under the Head Start Act. Effective 8/14/08: This cancellation benefit was expanded to include full-time staff members in a pre-kindergarten or childcare program that is licensed or regulated by the State and is operated for a complete academic year or its equivalent.

Nurse or Medical Technician Cancellation: 100% of a Perkins Loan may be cancelled, over a five year period, if the borrower has served full time as a nurse or medical technician (professions listed at: http://www.finaid.org/loans/forgiveness.phtml providing full time health care services directly to patients.

Law Enforcement, Public Defender Attorney, or Corrections Officer Cancellation: 100% of a Perkins Loan may be cancelled, over a five year period if the borrower has served full time as a qualifying law enforcement or corrections officer. To establish the eligibility of a borrower for the law enforcement or corrections officer cancellation provision, the school must determine that (1) the borrower's employing agency is eligible and that (2) the borrower's position is essential to the agency's primary mission. Effective 8/14/08: This has been expanded to include full-time attorneys employed in Federal Public Defender Organizations or Community Defender Organizations, established in accordance with Section 3006A (g)(2) of Title 18, U.S.C.

Child or Family Services Cancellation: 100% of a Perkins Loan may be cancelled, over a five year period, if the borrower has served full time as an employee of an eligible public or private nonprofit child or family service agency and has provided or supervised the provision of services to both high-risk children who are from low-income communities and the families of such children. The services provided to adults must be secondary to the services provided to the high-risk children and these adults must be members of the families of the children for whom services are provided. The Department has determined that an elementary or secondary school system or a hospital is not an eligible employing agency.

Military Service Cancellation: Effective 8/14/08: 100% of a Perkins Loan may be cancelled, over a five year period, if the borrower has served in full-time active duty in the armed forces (the U.S. Army, Navy, Air Force, Marine Corps, or Coast Guard), the National Guard, or the Reserves in an area that qualifies for special pay under Section 310 of Title 37 of the U.S. Code. (Previously was 50% over a four year period.)

Volunteer Service Cancellation: 70% of a Perkins Loan may be cancelled, over a four year period, if the borrower has served as a Peace Corps or Americorps*VISTA (under Title I, Part A of the Domestic Volunteer Service Act of 1973) volunteer. An authorized official of the Peace Corps or Americorps*VISTA program must sign the borrower's cancellation form to certify the borrower's service. Americorps volunteers do not qualify for this cancellation unless their volunteer service is with Americorps*VISTA. An Americorps *VISTA volunteer may only qualify for this cancellation if the Americorps*VISTA volunteer elects not to receive a national service education award for his or her volunteer service. The Americorps*VISTA volunteer must provide appropriate documentation showing that the volunteer has declined the Americorps national service education award.

Firefighters Cancellation: Effective 8/14/08: 100% of a Perkins Loan may be cancelled, over a five year period, if the borrower serves as a full time firefighter in a local, State, or Federal Fire Department or fire district.

Faculty Member at a Tribal College or University: Effective 8/14/08: 100% of a Perkins Loan may be cancelled, over a five year period, if the borrower serves as a full time faculty member at a Tribal College or University.

Librarian: Effective 8/14/08: 100% of a Perkins Loan may be cancelled , over a five year period, if the borrower serves as a full time Librarian with a master's degree in library science who is employed in an elementary or secondary school that qualifies for Title I funding, or in a public library that serves a geographic area that includes one or more Title I schools.

Speech Language Pathologist: Effective 8/14/08: 100% of a Perkins Loan may be cancelled , over a five year period, if the borrower serves as a full time speech language pathologist with a master's degree and working exclusively with Title I eligible schools.

Cancellations are approved per Federal Regulations, which may not be fully listed here.