Benefit Forms

This page contains loan benefit information for IU, Perkins, and other loan programs. Use the Table of Contents button on the right-hand side of the page to jump to a benefit type (and in the drop-down list Deferment, Forbearance, Perkins, Discharge, NFLP, Other)

Contact University Collections & Loan Services at ucls@iu.edu or (800) 458-8756 with any questions.

Address for completed forms:
University Collections and Loan Services
1024 East Third Street
Bloomington, IN 47405

Deferment

Deferments defer principal during the deferment period and may or may not defer interest depending on the type of deferment requested and may or may not include a post-deferment grace period of six consecutive months. No payments are required during this deferment period. Borrowers must reapply for additional deferment periods. The maximum time allowed is three years, for some deferments, and may extend many years depending on how long you are in an in-school deferment, over the life of the loan. Supporting documentation of your claim is required.

Cancer Treatment Deferment for Perkins
You may qualify for this deferment if you are receiving treatment for cancer.
Click here to access the form
Complete sections 1 and 3
Your MD or OD must complete section 2 certification.

Deferment Request for HPSL, LDS, NSL, and PCL
You may qualify for this deferment if you are:

Active Duty as a member of a uniformed service of the United States
A volunteer under the Peace Corps Act
Pursuing advanced professional training, including internship and residency in the same discipline for which your loan was disbursed
On a leave of absence to pursue related educational activity in the same discipline for which your loan was disbursed
Participating in a graduate fellowship or related graduate educational activity in the same discipline for which your loan was disbursed.

Click here to access the form
Complete parts I and II of the form.
Your commanding officer or school official must complete part III.

Deferment Request for NFLP
You may qualify for this deferment if you:

graduated from your IU NFLP course of study and participate in a post-doctoral program.
perform active duty services as a member of the uniformed service.
graduated from your IU NFLP course of study and are employed as nurse faculty and are attending a nursing education program for further preparation as nurse faculty.
serve as a volunteer under the Peace Corps Act (up to three years).

Click here to access the form
Complete Part I of the form.
Your commanding officer or authorized school official must complete Part II of the form.

Economic Hardship Deferment Request for Perkins
You may qualify for this deferment if you:

are a recipient of a means-tested benefit like TANF, Section 8, SSI, or SNAP
work full-time and gross earnings are below 150% the federal poverty guideline for your family size.

Click here to access the form
Complete the form.
Supply supporting documentation to substantiate your eligibility.

Economic Hardship Deferment Request for IU Miller, Miller HomeStretch, or Crimson Institutional Loans
You may qualify for this deferment if you:

are a recipient of a means-tested benefit like TANF, Section 8, SSI, or SNAP
work full-time and gross earnings are below 150% the federal poverty guideline for your family size.

Click here to access the form
Complete the form.
Supply supporting documentation to substantiate your eligibility.

Graduate Fellowship Deferment Request & Certification for Perkins
You may qualify for this deferment if you are participating in a full-time graduate fellowship.
Click here to access request
Click here to access certification
Complete the form.
Have your fellowship director complete the certification.

In-School Deferment for Perkins
You are enrolled in school at least half time.
Click here to access the form
Complete sections 1, 2, and 3 of the form.
Your school must certify your enrollment in section 4.

In School Deferment Request for HPSL, LDS, NSL, and PCL
You may qualify for this deferment if you are attending school at least half-time in the discipline for which your loans were disbursed. Your deferment may have no grace period.
Click here to access the form
Complete the form
Your school registrar must certify your enrollment dates and status, program of study, and anticipated graduation date on university letterhead.

In School Deferment Request for IU Miller, Miller HomeStretch, Crimson, Cunninson, Henry Strong, Miholich, or Batman Institutional Loans
You may qualify for this deferment if you are attending school at least half-time.
Click here to access the form
Complete the form.
Your school must certify your enrollment at least half time.

In School Deferment Request for NFLP
You may qualify for this deferment if you:

graduated from your IU NFLP course of study and participate in a post-doctoral program.
perform active duty services as a member of the uniformed service.
graduated from your IU NFLP course of study and are employed as nurse faculty and are attending a nursing education program for further preparation as nurse faculty.
serve as a volunteer under the Peace Corps Act (up to three years).

Click here to access the form
Complete part I of the form.
A certifying official must complete part 2 of the form.

Unemployment Deferment Request for Perkins
You may qualify for this deferment if you receive unemployment benefits or you are seeking and unable to find full-time employment. Full-time employment means working 30 or more hours a week in a position expected to last at least 3 consecutive months.
Click here to access the form
Complete the form.
Supply supporting documentation to substantiate your eligibility.

Unemployment Deferment Request for IU Miller, Miller HomeStretch, and Crimson Institutional Loans
You may qualify for this deferment if you receive unemployment benefits or you are seeking and unable to find full-time employment. Full-time employment means working 30 or more hours a week in a position expected to last at least 3 consecutive months.
position expected to last at least 3 consecutive months.
Click here to access the form
Complete the form.
Supply supporting documentation to substantiate your eligibility.

Forbearance

Forbearance defers only the principal, the interest continues to accrue and can be paid monthly during the period or in a lump sum at the end for Federal Perkins loans and eligible IU institutional loans. Interest must be paid monthly during the period for HPSL, LDS, NSL, PCL loans. Also, the use of forbearance can cause your HPSL, LDS, NFLP, NSL, or PCL monthly installment to increase as forbearance does NOT extend maturity dates. There is no grace period on forbearance requests. Supporting documentation of your claim is required.

General Forbearance Request for Federal Perkins
You may request a general forbearance if you are temporarily unable to make your scheduled monthly loan payments. Some reasons may include:

Financial difficulties
Medical expenses
change in employment Click here to access the form
Complete the form.

General Forbearance Request for HPSL, LDS, NSL, and PCL
You may request a general forbearance if you are temporarily unable to make your scheduled monthly loan payments. Some reasons may include:

Financial difficulties
Medical expenses
change in employment Click here to access the form
Complete the form.

General Forbearance Request for IU Miller, Miller HomeStretch, Crimson Institutional Loans
You may request a general forbearance if you are temporarily unable to make your scheduled monthly loan payments. Some reasons may include:

Financial difficulties
Medical expenses
change in employment Click here to access the form
Complete the form.
Supply supporting documentation to substantiate your eligibility.

General Forbearance Request for NFLP
You may be eligible for a forbearance if you are temporarily unable to make student loan payments because of poor health or other financial hardship.
Click here to access the form
Complete the form.

Perkins Cancellation with Deferment

Cancellation with deferment defers both the principal and interest during the borrower’s period of service which schools also grant loan cancellation. No payments are required during this deferment period. Borrowers must submit deferment/cancellation form annually during the 5-7 year period of completed service. Supporting documentation of your claim is required.

Head Start, Pre-K, or Child Care Program Staff Member Cancellation
You may qualify to cancel a portion or all of your Federal Perkins Loans if you are employed full-time as:

a staff member in the educational part of a preschool program under Head Start
a staff member in pre-K or childcare program licensed or regulated by the state

Click here to access the form
Complete sections 1, 2, and 3 of the form.
Your employer must complete section 4 of the form. If no official seal exists, a signed and dated certification of information must be completed on letterhead.

Law Enforcement, Corrections Officer, Public Defense Lawyer, or Prosecuting Attorney Cancellation
You may qualify to cancel a portion or all of your Federal Perkins Loans if you are employed full-time as:

Law enforcement officer for a Federal, State, or local law enforcement agency
Corrections officer for a Federal, State, or local law enforcement agency
Lawyer employed by a public defender organization that is listed on the Federal Public & Community Defender Directory
Prosecuting Attorney for a Federal, State, or local office

Nurse, Medical Technician, or Fire Fighter Cancellation
You may qualify to cancel a portion or all of your Federal Perkins Loans if you are employed full-time as a:

Nurse or medical technician certified, registered, or licensed by the state.
Fire fighter for a Federal, State, or local fire department or fire district.

Provider of Early Intervention Services or Provider at Family Services Agency Cancellation
You may qualify to cancel a portion or all of your Federal Perkins Loans if you are employed full-time as a:

Provider of early intervention services to infants and toddlers (birth to age two) with disabilities in a public or non-profit program
Provider of services to high-risk children. High-risk children are defined as children under age 21 who are low-income; at risk of abuse or neglect; have been abused or neglected; have serious emotional, mental, or emotional behavioral disturbances; reside in placements outside of their homes; or are involved in the juvenile judicial system. The place of employment must be a public or non-profit child or family service agency and the services provided to adults must be secondary to services provided to high-risk children.

Teaching, Speech Language Pathologist, and Librarian Services Cancellation
You may qualify to cancel a portion or all of your Federal Perkins Loans if you are employed full-time as a:

Teacher in a federally designated low-income school or education services agency
Special education teacher
Teacher in a shortage field
faculty member at a tribal college or university
Speech language pathologist with a master's degree working exclusively for low-income schools
Librarian with a master's degree in library science employed in a low-income school or public library

Perkins Volunteer Service in the Peace Corps or Americorps VISTA Cancellation
You may qualify to cancel a portion or all of your Federal Perkins Loans if you are employed full-time as a:

A volunteer in the Peace Corps
A volunteer in the Americorps VISTA program and have elected not to receive a National Service Education award.

Click here to access the form
Complete sections 1, 2, and 3 of the form.
A certifying official must complete section 4 of the form. If no official seal exists, a signed and dated certification of information must be completed on letterhead.

Discharge

Under certain conditions, your Perkins and/or IU Institutional Loan may be discharged. When your loan is discharged, it means that you are no longer obligated to pay back your loan. The determination made by the Department of Education must be sent to your lending institution.

Total and Permanent Disability Discharge
Under certain conditions, your Perkins Loan and/or Institutional Loan may be discharged. When your loan is discharged, it means that you are no longer obligated to pay back your loan. If determined eligible for Total and Permanent Disability by the Department of Education, it must be sent to your lending institution.
Click here to start the process
Complete the form.

Nurse Faculty Loan Program Forms

NFLP benefit options will be listed in this section. Supporting documentation of your claim is required.

Deferment Request for NFLP
You may qualify for this deferment if you:

graduated from your IU NFLP course of study and participate in a post-doctoral program.
perform active duty services as a member of the uniformed service.
graduated from your IU NFLP course of study and are employed as nurse faculty and are attending a nursing education program for further preparation as nurse faculty.
serve as a volunteer under the Peace Corps Act (up to three years).

Click here to access the form
Complete Part I of the form.
Your commanding officer or authorized school official must complete Part II of the form.

NFLP Employment Certification
You must provide certification of full-time employment in a qualified institution as nurse faculty to postpone and/or cancel your NFLP loans.
Click here to access the form
Complete part I of the form.
A certifying official must complete part 2 of the form.

NFLP Forbearance
You may be eligible for a forbearance if you are temporarily unable to make student loan payments because of poor health or other financial hardship.
Click here to access the form
Complete the form.

NFLP Partial Cancellation
You may qualify to cancel a portion or up to 85% of your Nurse Faculty Loans if you are employed full-time as a nurse faculty employee in a school of nursing.
Click here to access the form
Complete part I of the form.
A certifying official must complete part II of the form.

NFLP Postponement of Installment Payment Request
You may qualify to postpone repayment of your NFLP loans if you are employed full-time as a faculty member at a school of nursing and expect to claim cancellation of your load at the end of each year of employment completed.
Click here to access the form
Complete part I of the form.
A certifying official must complete part 2 of the form.

Other Forms

Other forms that may be needed throughout the life of your student loan.

Self-Certification for Primary Care Loans
PCL must certify annually they are practicing Primary Care as outlined in the promissory note for the Primary Care Loan.
Click here to access the form
Complete the form.

Perkins Rehabilitation
You may successfully rehabilitate your Perkins loan one time, through 9 monthly on-time payments to clear the credit reporting for the history of the loan. The monthly rehabilitation payment will be based on your specific loan variables.
Call University Collections & Loan Services at IU (800) 458-8756 or email ucls@iu.edu to get information.

Name Change Request
You may request your lending institution update your name as a result of legal name change.
Click here to access the form
Complete the form.
Supply supporting documentation to substantiate your eligibility.

Temporary Repayment Arrangement
You may request a temporary decrease to your monthly installment if you are temporarily unable to make your scheduled monthly loan payments and are ineligible through the request of another form. Some reasons may include:

Financial difficulties
Medical expenses
Change in employment

Call University Collections & Loan Services at IU (800) 458-8756 or email ucls@iu.edu to get information.