Perkins Loans

Federal Perkins Loans are awarded to students based on a combination of significant need as demonstrated on the FAFSA form and the availability of funds.

The interest rate for the Perkins Loan is 5%, and no interest or principle payments are due until 9 months after a student graduates (or drops below half-time status). Besides interest, there are no other fees associated with Federal Perkins Loans.

After you start to repay your Perkins Loan, if you skip a payment, make a payment late, or make less than a full payment, you may be assessed a late charge. If you continue not making payments as required, you will have to pay collection costs.

Harcum College uses ECSI, a loan servicing center, to bill, collect payment, and provide loan services to students who have supplemented their tuition with a Perkins Loan.

For information about your Perkins Loan, please log on at 

To use the Login Page, three pieces of information are needed:

  • The School Code for Harcum: H7
  • Student's Account: SSN without dashes
  • Password: pin number assigned by ECSI (students receive this with their original mailing).

If the PIN number is lost, or if you have questions regarding 1098-T forms that were sent to you by ECSI, please call ECSI at 1-866-428-1098.

Perkins Loans FAQs

When is my first payment due?
For Federal Perkins Loans, the grace period ends nine months after a student graduates (or drops below half-time status). This is when your first payment will be due. You will receive billing information from Campus Partners.

When are my payments due?
A repayment schedule for your Perkins Loan will be given to you at the time of your exit interview with the Financial Aid Office. Once repayment begins, after your grace period has ended, billing statements are mailed out by ECSI and the due date will be defined on your statement.

Please make sure to keep your current mailing address on file with ECSI at all times. Even if you do not receive your billing statement, your payment is still due monthly.

How do I change my address?
You may change your address by contacting ECSI by phone at 1.888.549.3274 or visiting

I need to make a payment but have misplaced by statement. What should I do?
Mail all Perkins Loan payments, forms and correspondence to:
181 Montour Run Road
Coraopolis, PA 15108

Why have I received phone calls, letters, or information from a collection agency regarding my Perkins Loan?
If you have received any type of communication from a collection agency regarding your Perkins Loan, this means you have defaulted in your payments. Please contact the collection agency directly with any questions.

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