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 You are free to utilize the loan amount for any personal purposes. These loans are processed through the Canadian government and do have eligibility and application requirements. Repayment of the Perkins Loan begins 9 months after a student graduates, withdraws from school, or drops below half-time enrollment. We note that, rather than reflecting an increase in the number of borrowers making student loan complaints, the increase most likely reflects that in February 2016, the CFPB began accepting complaints about federal student loans. Re: Pre-paying credit card, then taking cash advance.  What Is The Interest Rate On Unsecured Loans

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