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Article by trish smith Federal Perkins Loans are low interest government loans made through a participating school to undergraduate and graduate students with substantial financial need. In order to qualify for a Perkins student loan, a student’s Expected Family Contribution (EFC) as determined by the government’s FAFSA (Free Application for Federal Student Aid) must demonstrate the greatest level of financial need. Recipients of Federal Pell Grants receive priority for Perkins Loans. Apply for Your Perkins Student Loan Early When applying for financial aid, it’s important to note that schools distribute Perkins Loans on behalf of the government, and when the funds are gone, the funds are GONE. This means that even if you qualify for a Perkins Loan you may not actually get one. So with interest rates steady at 5%, it’s in your best interest to submit your FAFSA on January 1 or as close to that date as Read the Rest…