Financial Aid & Scholarship Office

Federal Perkins Loans

Program Discontinued

As of Oct. 1, 2015 the Perkins Loan program was officially discontinued for Graduate students. As of Sept. 30, 2017 the Perkins Loan program was officially discontinued for Undergraduate students. 

Information for Perkins Loan Recipients

All Perkins loans that were disbursed at Chico State are managed by Educational Computer Systems, Inc. (ECSI). Students may view their promissory note and loan balance, authorize payments and update banking information, change their address, download deferment and other forms, and more on the ECSI website. When repayment begins, ECSI will accept payments and oversee loan accounts until loans are paid in full. Contact information for ECSI:

Educational Computer Systems Inc.
181 Montour Run Road
Coraopolis, PA 15108
Phone: 888-549-3274
Fax: 412-494-5626
Email: in new window)

Perkins borrowers may receive help in managing their loans from Collection Representatives at ECSI. When leaving Chico State or dropping to less than half–time enrollment, Perkins borrowers are required to log into Heartland ECSI  to complete Exit Counseling.

Grace period

When students graduate, leave school, or drop below half-time enrollment, they have a nine-month grace period before repayment of Perkins Loans. Exit counseling is required when leaving Chico State.


Federal Perkins Loan recipients do not have to make payments while enrolled at least half-time in an accredited school of higher education. This period of deferment is one of four available. There are also a number of provisions for Perkins Loan forgiveness for employment in certain fields, including law enforcement, teaching in low-income schools, nursing, and volunteer service such as the Peace Corps. Complete details on deferments, cancellation, and repayment are provided on the Perkins Master Promissory Note through ECSI. Also see our website section on Loan Forgiveness.

Additional Information

For more information on Perkins Loans visit our video website and search "Perkins Loan".