Past due on Perkins Loan, forbearance recommendation and history of mental health issues

It sounds like at least 3 payments (90 days past due) and that may include some of the late charges. Are the payments $81/month?

Perkins loans are no longer made, so it would probably be best to just pay this off as fast as you can. Make sure the amount borrowed is correct and set up one of the payment plans.

It’s not clear from the first post if the loans were backed out when the student withdrew from the second semester. If the school charged something for that semester (board, room, partial tuition) they may have left the loans in place to cover those. See how much you borrowed on the Perkins loan and confirm that is correct.

My daughter has Perkins loan being serviced by Heartland. The statements are pretty comprehensive on what the original amount borrowed was, the amount going to principal and interest each month, and the charges.