Office of the Bursar graduation cap
The Billing and Payment Gateway of UMass Amherst

Financial Difficulties: Unemployment or Underemployment

A borrower may defer repayment of a Perkins Loan for up to three years if the borrower is seeking and unable to find full-time employment. It is the borrowers responsibility to provide either proof that they are receiving unemployment benefits or proof that they are registered with any agency working to find them full-time employment.

Maximum Length: 36 months. Borrowers must reapply every 12 months.