The following types of deferments are available depending on when you received your Perkins Loan. You can obtain a copy of the Request for Deferment form by downloading it from EFG's forms Web page . You may cancel all or a portion of your loan over a period of time depending on when you received your Perkins Loan. You can obtain a copy of the Request for Cancellation form by downloading it from EFG's forms Web page . For most students, a Perkins Loan is the first experience with credit.
Student loans can be an excellent way to establish a good credit rating.
Pay your loan promptly each month or quarter. Send the payment due each month or quarter even if you do not receive a bill. Send extra payments to reduce your total interest when you can. Always call the Financial Aid Accounting Office at HSU if you have a question or problem. Never ignore correspondence or payment requests, no matter what the circumstances.