Perkins Loan Office

The Perkins Loan Office serves as the administrator of the Federal Perkins Loan Fund for Concord University.  Recipient eligibility is determined by the Financial Aid Office through the financial aid awarding process based upon the student's completed FAFSA.  The Perkins Loan Office acts as a liasion between the University, the Department of Education and Heartland/ECSI to ensure all requirements for a student's participation in the Federal Perkins Loan Program have been met.


Current Students

Master Promissory Note/Entrance Counseling

Students who have been awarded a Federal Perkins Loan must complete a Master Promissory Note and Entrance Counseling annually:

Entrance Counseling/Promissory Notes →

  • FSA User ID/Password is required

Upon completion of their final semester at Concord University, all Perkins borrowers are required to complete an Exit Interview:

Exit Counseling/Interviews →

  • Concord University’s School Code is 91
  • E.C.S.I. PIN is required

Borrowers in Repayment

Deferment and Forbearance

In the the event, a borrower needs to defer, or postpone repayment, Heartland/E.C.S.I. can assist in selecting the appropriate deferment type and required supporting documentation, if any.   Please visit for more information. Select "School Not Listed - Use Standard Form" when the option is presented.

Loan Cancellation

There are certain fields of employment and medical situations that allow a borrower to qualify for cancellation of Federal Student Loans. Please visit for more information.


Angela Taylor
Assistant Accountant
Marsh Hall 221
(304) 384-5164