The Perkins Loan Program is a campus-based program, so-called because individual schools administer the program and disburse loan funds. A Federal Perkins Loan is a low-interest loan available to undergraduate and graduate students who demonstrate 'exceptional financial need' as defined by the school, using procedures it establishes for that purpose. While this opportunity is best designed for candidates enrolled in 'fifth year' certification programs, like the ones that are the norm in California, there may be some alternate route candidates around the nation who can also take advantage of it. Pell Grants are available to undergraduate students with financial need however, the amended 1998 Higher Education Act allows certain students who have earned a bachelor's degree to receive a Pell Grant when enrolled in a post-baccalaureate teacher certification or licensing program. Individuals enrolled in an alternative route to certification program may be eligible for a Federal Pell Grant.
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