#  Rehabilitation Program 

 



 ##  

  expand\_more  

 
  

 

If your Federal Perkins Loan or Harvard Institutional Loan is in default (more than 8 months overdue) you may be eligible to rehabilitate these defaulted loans. A defaulted loan will be considered rehabilitated once you have made nine consecutive on-time monthly payments. Our Office will determine the payment amount. You can only rehabilitate your loan once.

**Some benefits of loan rehabilitation include:**  
\- The delinquency will be eliminated.  
\- The default will be removed from your credit bureau.  
\- Title IV eligibility for student financial assistance will be re-established.  
\- The new repayment period may extend to 10 years.

**How to apply:**  
\- You must contact our office to request loan rehabilitation. You will need to execute a loan rehabilitation agreement and meet the terms of the program.

**Student Collection Specialist:**  
Nadege Roseau  
Direct line: 617-495-5565  
Toll-free line: 800-343-5501  
Email: [nadege\_roseau@harvard.edu](mailto:nadege_roseau@harvard.edu)