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Perkins Loans

The Federal Perkins Loan Program provides low-interest loans to help students with financial need pay the costs of postsecondary education. The Perkins Loan is a five percent, simple-interest, Federal Loan Program available to help with educational expenses and is awarded to both undergraduate and graduate students that demonstrate exceptional need.

Loan Acceptance

Please visit my.nmsu.edu to accept your Perkins Loan online.

Please note that if you have accepted a Perkins Loan, you will receive an email from http://borrower.ecsi.net/ instructing you to sign the Perkins Master Promissory Note and Loan Disclosures. These requirements must be met before your Perkins Loan will be disbursed. Your Perkins loan will be cancelled if you have not completed these requirements within 30 days of  loan acceptance.

Please click here for guidance to accept your loan.


Repayment on the Perkins Loan begins nine months after you graduate or cease to be enrolled half-time. Borrowers who undertake certain public, military, or teaching service employment are eligible to have all or part of their loans canceled.

Learn more about the Federal Perkins Loan

 Master Promissory Note

A Perkins Master Promissory Note (MPN) is required before the school will disburse any Perkins Loan funds to your student account. By signing this promissory note, you promise to pay back to the school or the school’s servicer all loan amounts disbursed while enrolled at NMSU plus the interest accrued. A single MPN covers all Perkins Loans taken while enrolled at NMSU. Each annual award will require your acceptance.

Sign Your Perkins MPN online, complete Loan Disclosures, and Loan Entrance Counseling all in one website!