Payments on Perkins (formerly known as the National Direct (Defense), Nursing Student Loans (NSL), Health Professions Student Loan (HPSL), and Loans for Disadvantaged Students (LDS) Schell Loans are made directly to the University or our billing agent, Heartland Campus Solutions ECSI. You, the borrower, are responsible for paying the principle and interest that accrues on your loan beginning 9 months after the date that you cease to be a less than half-time student at an institution of higher education. Interest will accrue from the beginning of your repayment period. Kent State University will report the amount of your installment and the amount of your loan to three major credit bureaus. Your first payment will begin in the tenth month after exiting the institution and will end after the completion of your payments, according to your repayment schedule. Your payments may be extended or shortened due to special circumstances, periods of deferment, or cancellation benefits. If you feel you qualify, contact one of our Student Loan Specialists at the Bursar's Office. We will help in any way that we can.