Perkins Loans

The Metropolitan State University of Denver Perkins Loan Office has contracted with Unisa Inc., to ensure compliance with the federal regulations and guidelines and maintains the promissory notes that pertain to the Federal Perkins Loan program. After a student borrower leaves or graduates from the University, Unisa, Inc., is responsible for the collection of those loans. The Perkins Loan Office maintains the guidelines, promissory notes, and collection of the University Perkins Loan Fund. You can access your Perkins Loan account at Unisa Inc.  Please contact Unisa Inc., at 1 (800) 875-8910 for assistance in setting up your account.

For additional information regarding student aid, please review the Federal Student Guide.

Perkins Loan Repayment/Deferment/Cancellation

Loan Repayment

After you graduate, leave school, or drop below half-time status as a student, you will have a nine-month (9) Grace Period before you must begin repayment of your Perkins Loan. You will have up to ten (10) years to repay the loan. You will be billed on a monthly basis after your grace period expires. If you do not remit your payment on a timely basis, you will be assessed a Late Fee. You may prepay any or all of the loan principal at any time before it becomes due.

It is your responsibility to keep Unisa or the Student Loan Office informed of your current address. Please contact Unisa at 1-800-875-8910 or login to your account at to change your address. Additional information is provided in the Perkins Loan Exit Interview.

Your Perkins Loan can be repaid through an automatic draft of your checking or saving account.

Loan Deferments/Forbearance

You may qualify for a Deferment on your Perkins Loan that is not in default. During deferment, you can delay payment with no interest accruing during the deferment period. Deferments are typically granted for periods of economic hardship and while attending school at least half-time.

You may qualify for Forbearance on your Perkins Loan. During forbearance, loan payments are postponed or reduced with interest continuing to accrue on the principal loan balance. You will be responsible for the interest payments. Forbearance can be granted in intervals of up to 12 months for a total of 3 years.

Request for In-school Deferment

Request for Hardship Deferment/Forbearance

Loan Cancellation

You may have part or all of your Perkins Loan cancelled, under certain conditions, as long as the loan is not in default. Typical conditions for cancellation are careers in nursing, teaching, law enforcement, etc. Contact the Perkins Loan Office for additional information regarding full or partial cancellation of your Perkins Loan.

Request for Deferment or Partial Cancellation

Perkins Loans can also be cancelled if the borrower dies or becomes totally and permanently disabled.

Perkins Loan Consolidation

Consolidation is refinancing one or more of your federal student loans into one loan. This new loan will have a new interest rate, payment terms and monthly payments. The following federal student loans are eligible for consolidation: Federal Stafford loans, Federal Direct loans, Federal PLUS loans, Federal SLS loans, Federal Perkins loans, Health Professional Student loans (HPSL) and Nursing School loans (NSL).

The payment terms of a consolidation loan can make repayment of your student loans much easier financially and much less confusing since you will not have to keep up with several different lenders. However, some of the benefits available in the original student loan may be lost after consolidation. Discuss your options thoroughly with your lender.

To apply for a consolidation loan, review the information on the website below.

Exit Counseling

Online exit counseling is available for those students that are graduating from Metropolitan State University of Denver, or whose enrollment drops below six credit hours.

Option 1:

If you graduated or dropped below six credits prior to August 1, 2017, you will complete your exit counseling though the MSU Denver Perkins Loan Department. In order to participate in the online exit process, you must first obtain your disclosure form as well as your rights and responsibilities form from our office. These items were mailed to you in our Exit Packet.  If you have not received a copy or have misplaced yours, please contact our office for a replacement.

To complete your exit counseling please complete following steps:

Step 1) Complete the Perkins Loan exit counseling and print out the confirmation when you are finished. To begin your counseling, please visit Mapping Your Future.

Step 2) Print out and complete the following documents: Exit Paperwork

Step 3)  Return a signed copy of your confirmation, disclosure, personal information questionnaire, and your rights and responsibilities to the Perkins Loan Office, and we will lift your hold for diploma or transcript pick up.

Option 2:

If you graduated or dropped below six credits after August 1, 2017, you will complete your exit counseling through our Perkins Loan servicer, UNISA Inc.

To complete your exit counseling, please visit our servicer’s website at and create an account by clicking on the “Log In/Sign Up” button in the top right corner. Once you have logged in, you should be prompted to complete your exit counseling. If you need assistance logging into your account, please call our servicer, UNISA, at 1-800-875-8910 and they will be able to provide assistance.


Information on Exit Counseling process:

As part of your exit process, we must provide you with information. Please review the information below and if you have questions or concerns please call 303-615-0072 to speak with a Perkins loan representative.

Make a payment on your Perkins Loan

Online Payment

To make a secure online payment, please register your account at:

How to access your account online via Unisa, Inc.

  1. Go to:
  2. Click on Sign Up
  3. Follow the directions

In order to view your account information you must first register with Unisa, Inc. To register you must provide the following information: Account Number (found on your billing statement), Social Security Number, and Date of Birth. If you do not know your account number, please call UNISA, Inc. at 1 (800) 875-8910.

Once you have properly provided all of the information outlined above access to your information is allowed. You will never have to complete the registration process again. It is only required to initially set up your user account.

Borrower Account Access will give you the flexibility to monitor your account at any time. This feature has no scheduled downtime and reflects all recent activity on your account.

If you have any questions or problems regarding your online account contact Unisa, Inc. at 1 (800) 875-8910. For all other inquiries contact the Perkins Loan Department at 303-615-0072.


Pay by Mail

To pay by mail, please send your payment to:

PO Box 4385
Englewood, CO 80155


Sign up for automatic withdrawals

To sign up for automatic withdrawals through UNISA, please register your account at:

Perkins Loan FAQs:

Contact Us

Metropolitan State University of Denver
Perkins Loans
PO Box 173362
Campus Box 97
Denver, CO 80217

Phone: 303-615-0072
Fax: 303-352-4251
Unisa, Inc: 1-800-875-8910

email: [email protected]