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Federal Perkins Loan

There are limited Federal Perkins Loan funds available to students with exceptional financial need.

The Federal Perkins Loan has a 5% annual interest rate with a 10-year repayment period. No interest accrues on this loan while you are enrolled in college at least half-time. Payments of interest and principal begin 9 months after you are no longer enrolled at least half-time. For more information on the Federal Perkins Loan visit

Perkins Loan Authorization Instructions

If you have been awarded a Perkins Loan, please follow these steps to accept the award:

  1. Log on to theROCK   (only students can log in to theROCK with their username and password)
  2. Select "Finances" tab
  3. Select the "Financial Aid Awards', then select Aid Year, and Submit
  4. Select "Accept Award Offer" tab to accept, change, or decline loans.
  5. Finally, if you are a new Perkins Loan borrower, you must complete Perkins Entrance Counseling and you must complete the Perkins Master Promissory Note (available in the Financial Aid Office).