你在这里
联邦珀金斯贷款
The information contained here is designed to answer general questions concerning your Federal Perkins Loan and provide a brief overview of the benefits 借款人可用.
联邦珀金斯贷款 are low-interest, long-term loans made through the university to help finance post-secondary educational costs. These loans are funded through matching funds from the federal government and bc菠菜导航. Although this is a federal loan, all payments are made directly to bc菠菜导航. By paying back your loan, you enable other students to receive new loans to fund their education. All Perkins Loans are reported to credit bureaus from your first disbursement to the time you pay the loan in full.
The Account Analysts are here to help you at any time during the life of your loan. Please contact us in Parsons Hall, 100房间, or by phone (812) 237-3511 if you have any questions or concerns with your loan. Please also contact the Account Analysts if your personal information changes (e.g., 从大学退学, 转移, drop below half-time enrollment, 名称的改变, 社会安全号码变更, 地址更改, 参军, 等.).
离职面谈
Prior to graduating or leaving the university, you 必须 complete an 离职面谈 for your Perkins Loan. The Account Analysts will once again go over the benefits and responsibilities of your loan. 离职面谈s are completed at the Account Analyst windows. Information regarding your 离职面谈 will be e-mailed to you prior to graduation.
- Failure to complete an 离职面谈 will place a hold on your future registrations!
感兴趣
利率是 5%的固定 并收取未付的费用 主要 你的贷款余额.
宽限期
You will receive a 9-month grace period that begins when you cease enrollment or drop below half-time status. Half-time status (determined by the Office of 注册及记录) is 6 credit hours for undergraduate students and 5 credit hours for graduate students.
还款
还款 of your loan begins when the grace period expires. The amount of your monthly payment will depend on the total amount that you have borrowed. This amount will be furnished to you during your exit interview.
- 支付 are due on the 15th day of each month. bc菠菜导航 mails statements each month. If you fail to receive a statement, you are still responsible for your payment! You may make your payment by check, money order or Visa, MasterCard or Discover credit cards. Please include your student identification number on your check or money order. You may make payment by Visa, MasterCard or Discover by calling (812) 237-3511 or paying online at www.bochum-panorama.net/payperkins.
Benefits for a Perkins Loan - YOU HAVE OPTIONS!
There are various types of Perkins Loans depending on the date of the first disbursement. Each type has different benefits 借款人可用. 你可能有资格获得 延期 原则和/或利息. There are also numerous types of 取消 借款人可用. 如果你有资格, the federal government will cancel a portion of your loan each year until your loan is paid in full.
Please contact the Account Analysts at (812) 237-3511 or visit them in Parsons Hall, 100房间, or check your promissory note for the types of 取消 available to determine if the federal government will pay your loan in full.
拖欠贷款
Delinquent loans are first assigned to our in-house collections department. We realize that there are many circumstances that may make it difficult for you to pay on your loan. There are many ways to avoid defaulting on your student loan. 联系 the Account Analysts in Parsons Hall, 100房间, or by phone at (812) 237-3511 to see if a 延期 is right for you. 不要冒险毁掉你的信用! 学生 with delinquent loans may lose all rights to eligible benefits and are reported to national credit bureaus. 同样，你也有选择!
在线支付
An online Perkins loan payment option is available by visiting www.bochum-panorama.net/payperkins. The payment site allows you to make payments, in any amount, to be applied toward your Perkins loan. 在线 payments made will only be applied to the current installment due. To obtain the amount of your current installment due, please review your monthly billing statement or call our office at 812-237-3511 to speak with an account analyst. Any amount over your regular monthly installment amount will not be applied to future installments. If you would like to make payments ahead, 或者有问题, please contact our office at 812-237-3511.