A deferment or forbearance allows you to temporarily postpone making your federal student loan payments or to temporarily reduce the amount you pay.

The Department of Education has a website dedicated to deferment and forbearance.

All in-school deferment request should be submitted to Student Services for processing.

Perkins Loans

GRADUATED students who received PERKINS STUDENT loans while attending UNMC are entitled to PERKINS loan deferment and loan cancellation if practicing in the health care careers of NURSING, ALLIED HEALTH, and DENTAL HYGIENE.   Please use the following web site to log into your PERKINS loan account: HeartlandECSI. Sign In or Register to access your account information. The UNMC Organization Code is WI5.  Your account number is your SSN.  If you do not know your PIN, click on the ? and you will be asked to complete a registration form.  Click on the Download Forms box to request the PERKINS LOAN Deferment/Cancellation Request.

• You must complete and submit the DEFERMENT form upon completion of your 9 month grace period AND before your first PERKINS payment is due.
• You may submit the form for loan CANCELLATION upon completion of a full year of employment.
• The process of deferment and cancellation must be completed annually.
• Perkins loan cancellation for employment is done over a period of 5 years. For years 1 and 2; 15% can be forgiven, for years 3 and 4; 20% can be forgiven and for year 5; 30% can be forgiven.