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Perkins Loans are low interest loans that can only be obtained by students with exceptional financial need, and are also government subsidized while the student is in school. Vanguard New York Tax-Exempt Money Market Fund—designed only for New York residents—seeks to provide federal and New York state tax-exempt income and preserve shareholders’ principal investment by maintaining a share price of $1. As such it is considered one of the most conservative investment options offered by Vanguard. Although the fund invests in short-term, high-quality securities, the amount of income that a shareholder may receive will be largely dependent on the current interest-rate environment and the availability of eligible New York municipal securities. 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