Loans are available for students and their parents to help finance the cost of a college education. Explore the links below to find out more about these options.

Types of Loans

Click on the links below to learn more about these types of loans.


Repayment of Loans

There are several repayment options in the Federal Direct Loan Program. Please click here to review repayment information on the Federal Student Aid website.

Repayment calculators give you an idea of your monthly payment amount and payment time line. Check out the repayment calculators on the following websites:

Average Loan Amounts of JSC Graduates

The average loan debt of a 2013 JSC graduate was $26,290. This includes Federal Direct Subsidized and Unsubsidized Loans as well as Perkins Loans.

Communicate With Your Direct Loan Servicer

If you are unsure of the servicer, you can log in to the National Student Loan Data System (NSLDS) at to get the information.

Be sure to contact your servicer as soon as possible if you find that you are having trouble making payments. Never default on repaying your loan; there are options such as deferment or forbearance, but you must ask for assistance. Also inform your servicer if you have an upcoming life change (entering military service, going back to school, name change, etc.).

Repayment of a Perkins Loan

Johnson State College has contracted with ECSI to assist in the administration and billing of Federal Perkins Loans. ECSI acts on behalf of JSC and will assist you in meeting your repayment obligations. You can monitor your Perkins Loans online at