Mentor Content is not intended to provide financial, legal, investment, accounting or tax advice. The company is sometimes referred to as Heartland ECSI. services only federal student loans in default. ECSI can deduct your payments automatically from your bank account at an amount and frequency which you choose. It manages the loans, including collecting and tracking payments, but doesnt own them. Additionally, a late fee on the installment due may be assessed if that payment is not remitted in a timely manner. You can also chat with the Heartland ECSI customer support reps by clicking the chat icon in the bottom right corner. Complaints for Heartland Payment Systems, LLC - Better Business Bureau Unlike most other federal student loans, Perkins loans are not eligible for any type of income-driven repayment plan. ECSI processes the payment twice, which leads to the misleading and insufficient fund while checking the accounts, a student claimed, Others claim that they never received any paper works for public service loans, Failing to set up an automatic payment plan and ACH transactions properly have also been filed, Long waiting for customer supports when getting at ECSI, Even the complaint board has also received a complaint on the ECSI which states that the ECSI business practices have been downright greedy, Many customers do say that their service is awful and find it hard to navigate around their website, Moreover, ECSI charges fees for online payments. Am I stuck with ECSI until my loans are paid off? Read more. You can login with your Federal Student Aid (FSA) ID. You can get in touch with ECSI from Monday to Friday from 7.30 am to 8.00 pm EST. Sign In or Register. Yes. Heartland ECSI is one of the largest and oldest student loan servicers in the U.S. ECSI services several types of loans for students at every educational level. You will be redirected to Heartland ECSI's new web address: www.heartlandecsi.com. When evaluating offers, please review the financial institutions Terms and Conditions. For example, if you are on a monthly repayment cycle, the first billing statement you will receive from ECSI will be in August for your payment due September 10, 2017. Which of these loans will be affected? You can also get in touch with any of the loan servicer contact centers by calling 1-800-4-FED-AID. If you wish to speak with ECSI's customer care agents, dial 1-844-760-6052. The following is a list of services provided by ECSI -. The Education Department can transfer student loans from one servicer to another. That means they cant change how payments are processed and may not suggest the most beneficial repayment option for you. Heartland ECSI is responsible for servicing the University's Campus-Based student loans including, but not limited to sending student loan billing statements, processing student loan payments, forbearance, deferment, and cancellation request forms, and providing quality customer service to our . You should complete the Cancellation Request Form, have it certified per the directions on the form, and return the signed and certified form to Conduent/ACS before July 31, 2017. The truth in lending disclosure is required under Regulation Z of the Truth in Lending Act of 1968. Shop for loans and credit cards from anywhere. You may also contact the U.S. Department of Education Ombudsman: The Federal Student Aid (FSA) Ombudsman Information Checklist is helpful to complete before contacting the Federal Student Aid Ombudsman. ET ECSI address for loan payments via. If a complaint doesnt help, you can contact the Federal Student Aid Ombudsman Group. This influences which products we write about and where and how the product appears on a page. A total of 148 complaints have been made with the Better Business Bureau . The Department of Education will notify you via letter or email if your loans are transferred, and youll manage payments with the new servicer. Heres how to reach Heartland ECSI customer service: If you have an issue with ECSI, start by contacting the servicer. Servicers are there to help you, but they may offer choices that are best for the company, not the borrower. So how do we make money? This information may be different than what you see when you visit a financial institution, service provider or specific products site. in 5 . Her writing has been honored by the Society for Features Journalism and the Society of Professional Journalists. ECSI Student Loan Review: What to Know About This Servicer The content on AVCNET.com and its related channels, including videos, images and social media postings, are for information purposes only. Do not sell or share my personal information. MORE: Federal student loan servicers: Who are they and what do they do? (You may also receive a separate communication with the key.) Process deferment and forbearance requests. After you get access to your account, access the information and check the available payments which are listed and which allows you to pay tuition, student fee and student housing cost for a period of several months than doing it once at the beginning of the year. representative. This is a system-wide change impacting all University of California campuses. Once the student loan servicer transition to ESCI is complete, will I have a new student loan account number? APR, or Annual Percentage Rate, is the price you pay to borrow money. ECSI address for loan payments via check or money order: ECSI email: [emailprotected], or use the 24/7 online chat tool. Your IP: Please leave your information to get the best suggested colleges and free counseling. ECSI has maintained a government contract to service Perkins loans since 2013. : University, Noyce, Dream, etc.). All Rights Reserved. is a servicer for borrowers with federal Perkins loans. Use the username and password that was created before and use it to log in. Mentor also does not provide financial, legal, investment, accounting or investment advice. Interest can continue to build on your balance during deferment or forbearance periods. Fixed APR means that your interest rate will always stay the same. Student Loans, Refinance Campus Loan Servicer: ECSI - University of California, San Diego Here's how to reach ECSI, and how their customer service team can help you. You may also. When you set up a payment plan to pay your past-due account balance, you will need to sign a payment plan agreement. Student loan servicers like ECSI collect your student loan payments, enroll you in student loan repayment plans, and can answer questions about your student loans. Disclaimer: Mentor strives to keep information on this website accurate and updated. Their services prevent the payment of largeamounts in the long run and help save money. It is commonly done in universities and colleges as they do not have staff or the ability to handle the repayment so they hire them for outside help. All deferment information processed and applied to your loan by Conduent/ACS will be transferred to ECSI. CONTENTS Written and Fact-Checked By Amy Chang Updated On 10/01/2023 Loans - Financial Aid & Scholarships How long does it take ECSI to process my completed Recurring ACH Payment enrollment? Clicking or selecting "Get My Rate" will cause you to leave Mentors website and direct you to the website of our partner, where you can learn more about the partner and its products and services. Previously, she reported on billionaires, investing, personal finance and fintech fraud for Forbes in New York, and she also covered private markets for PitchBook in Seattle. Go to their website, click on the sign in or register button where you will get a register window, Create a username and password for yourself. Wherever you're going in life, an education from Southern New Hampshire University is a smart investment for your future. By comparison, TeamSupport gives you visibility into a ticket during its complete lifespan, so you can monitor and collaborate on tickets even if theyre arent necessarily assigned to a single person.. Complaint Department Numbers and Emails. Please review our Advertiser Disclosure. Tuition payment plans: 866-927-1438. It is a loan servicer which manages the collection and processing of monthly payments. After evaluating 15 different software systems including Zoho, Parature and ZenDesk, Heartland ECSI selected TeamSupport as their new help desk solution. The process for transitioning all student loan account data from Conduent/ACS to ECSI will commence on August 1, 2017 and is expected to be completed by Mid-August, 2017. If you are borrowing for school then there is a good chance for you to have ECSI as a servicer for some of the loans.if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[300,250],'thecollegemonk_com-medrectangle-3','ezslot_1',139,'0','0'])};__ez_fad_position('div-gpt-ad-thecollegemonk_com-medrectangle-3-0'); Heartland ECSI stands for Heartland Educational Computer Systems Inc. ECSI tracks and collects your payments. ECSI - Download Forms This influences which products we write about and where and how the product appears on a page. Upon completion of the transition, ECSI will immediately begin processing all outstanding payments and transactions, and soon after you will receive instructions from ECSI for accessing your account. Access to your University of California student loan account information via the Conduent/ACS online system or via the Conduent/ACS borrower call center will end after July 31, 2017. Reviews from ECSI employees about working as a Customer Service Representative at ECSI. Given the situation that you miss a scheduled payment thenyou have 45 days to make the payment and bring your payment plan to a current status. Now you need to connect your accounts which requires information such as the ECSI key or the school code, account number and the ECSI PIN. How can I make a payment on my student loan (s)? Customer Service Representative is available Monday through Friday, 8:00am - 8:00pm EST. This might happen if a servicers contract expires and is not renewed, for example. For borrower issues, you can email webcservice@ecsi.net. Having Heartland ECSI as a loan servicer and wishing to pay off this loan faster might require a wise refinancing of the loan with a new lender. Editorial Note: This content is based solely on the author's opinions and is not provided, approved, endorsed or reviewed by any financial institution or partner. Email, If a complaint doesnt help, you can contact the. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Also, 45 BBB reviews gave the servicer a one-star rating. Clients & Schools. This method should be used only as a last resort, the federal student aid office says. You may also contact the Heartland ECSI Customer Service Team by calling (855) 250-3230 or via Live Chat from their website. Loans managed by ECSI are not eligible for the White Houses, . This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. About the author: Eliza Haverstock is a lead writer on NerdWallet's student loan team covering loan repayment and alternatives to traditional four-year degrees. Fixed APR includes a 0.25% discount when you enroll in autopay. You can call ECSI at (888) 549-3274. How much will the late fee be after October 2017? What Is an ECSI Refund and How to Request It - DoNotPay Your account number is included in all written and electronic communication from ECSI, but you can also search for it through ECSIs website. through consolidation or forgiveness. Process deferment and forbearance requests. The Perkins loan program which also encompasses defense loans and national direct student loans was available to undergraduates and graduates with exceptional financial need until the federal government shuttered it in 2017. You may also change your student loan servicer through consolidation or forgiveness. A graduated repayment plan starts with smaller monthly payments and increases over time. Servicers are there to help you, but they may offer choices that are best for the company, not the borrower. Your deferment period should continue without interruption. If your issue goes unresolved, you can also make complaints about ECSI to: Make sure to keep records of your conversations, including the day, time and customer service representative you spoke with. E.C.S.I. | Better Business Bureau Profile If you are repaying on a quarterly frequency, your quarterly cycle will not change: Yes. PDF How to Setup Direct Deposit with Heartland If you are delinquent on your account or have already been working with a UC San Diego counselor to resolve an issue related to your student loan, you may also call UC San Diego Student Financial Solutions (SFS) at 858-822-4727, or email at exits@ucsd.edu. For example, on a $120.00 payment, the late fee charged is $12.00. Biden Cancels $10K in Student Debt. If you are current on the repayment of your account, you may call the Heartland ECSI Customer Service toll-free line at 1.888.549.3274. You can make additional payments over the phone or via online chat. Karen Gaudette Brewer joined NerdWallet with 20 years of experience working in newsrooms and leading editorial teams, most recently as executive editor of HealthCentral. This includes 32 complaints in the past 12 months. She is based in Washington, D.C. Assigning Editor | Public policy, student loans. services only federal student loans in default. If your loan payments havent begun or youre not sure which company is your servicer, log in to. ECSI can help you temporarily stop making payments or reduce your payment amount if you qualify. ECSI Customer Login: You can access your ECSI login directly on the ECSI website. Plans. Heartland ECSI Customer Service Complaints Department They also pick all the important tax documents that you require and keep you updated with the status of your account while helping you with the queries you may have too. We use intelligent software that helps us maintain the integrity of reviews. This may include your monthly statements, records of communication with a ECSI customer service representative, emails and other correspondence. To access your electronic 1098-T statement issued prior to 2018, visit Heartland ECSI and select "Accessing Your 1098-T." Click to search for your tax form. ECSI Email: You can email ECSI directly through the ECSI website. No. Our tools and calculators are for illustrative purposes only and are not guaranteed to be accurate. You can also pay online on the ECSI website. No essay requirement. Box 718. When will ECSI be able to provide student loan account information and assistance to me? The company has been in business since 1972 and has been serving as one of the largest servicers in the student loan industry. No. All financial products, shopping products and services are presented without warranty. Improved ticket visibility for both customers and agents, Savings in staff time, resulting in higher level management without reducing productivity or adding staff. Many or all of the products featured here are from our partners who compensate us. MORE: Federal student loan servicers: Who are they and what do they do? Chat with a Live Customer Service Representative. Borrowers with Perkins loans who work in a qualifying public service job for five years can have up to 100% of their student loans forgiven. That means they cant change how payments are processed and may not suggest the most beneficial repayment option for you. Its most important to know your student loan repayment options so you can know the right questions to ask. ECSI has partnered with around 2,200 colleges and universities where they collect more than a total of $100 million in terms of annual student loan payments. If you are notified of a servicing transfer, you should do the following: Download and save your payment history from your online account or request a copy from your original servicer. Loans managed by ECSI are not eligible for the White Houses one-time student debt cancellation plan. I received several different student loans while I attended UC San Diego. Heartland ECSI services federal Perkins student loans for the government. It is a student loan servicer that manages the repayment process for student loans from many colleges and universities, including Federal and even private education loans. All rights reserved. Heartland ECSI is responsible for servicing the University's Campus-Based student loans including, but not limited to sending student loan billing statements, processing student loan payments, forbearance, deferment, and cancellation request forms, and providing quality customer service to our student loan borrowers. Mail Please send your check or money order, payable to University of the Pacific (Z4): C/O Heartland ECSI PO Box 718 Wexford, PA 15090 Please note your account number ( Pacific Student Identification Number) in the memo line of your check or money order. For web or related issues, you can email webmaster@ecsi.net. guarantees about the information published, listed schools, accreditation status, financial aid and scholarships, Heartland ECSI Complaints and Private Student Loan Servicer Review In addition, shes written two books about the Pacific Northwest. Pre-qualified offers are not binding. ECSI Phone Number - Refund Disbursements for Financial Aid: (844) 760-6052. 195.154.38.27 1098-T - Office of the Bursar - Dalton State College For the most updated information, please review the rates, terms, conditions and disclosures on the lenders or credit card issuers website before you apply. Do you need a deferment, forbearance, or cancellation for your Federal Perkins Student Loan, Health Professions Loan, Institutional Loan, or other Student Loan? Her writing has been honored by the Society for Features Journalism and the Society of Professional Journalists. Lead Writer | Student loan repayment, college alternatives. This method should be used only as a last resort, the federal student aid office says. Heartland ECSI Customer Service phone number is 1-855-250-3230; their hours of operation are 8:00am to 8:00pm (Eastern Time) How to Set Up Direct Deposit with Heartland ESCI to Receive Your Refund What you will need: Heartland Key sent to your Texas A&M University email account. When youre ready make contact, here's how: You can also reach out to a student loan assistance nonprofit like The Institute of Student Loan Advisors, which provides free dispute resolution. The biggest hurdle that we had to get over was the fact that our support tickets need to be monitored by our support team and they can follow multiple paths simultaneously. stated Ryan Bruner, Heartland ECSIs Director of Client Support. In our previous system, customers could only call or e-mail to request help, which meant having one staff person dedicated to receiving those tickets and then manually assigning them to a support agent to handle. Customer service was a waste of time. Update your contact information with your most recent address, phone number and email address. ET. You have come to the right place. If I have loans at more than one UC campus, will I have the same student loan account number? Work atmosphere is friendly. to find out. They can service any type of student loan and provide customer services. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. You will need to enroll for this service through the ECSI website. Unpaid tuition and fees: 888-454-6100. Click the red 'Register' button and create a profile. Financialservice solutions for higher education. More than 1.3 million people still had outstanding Perkins loan debt as of September 2022, according to the Department of Education. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. As of February 14, 2010, all alternative educational lenders are required to send new borrowers three disclosure statements and a self-certification form. Box 1278 Wexford, PA 15090. This key is unique for each student to keep things secure. 3. ECSI address for loan payments via check or money order: ECSI email: [emailprotected], or use the 24/7 online chat tool. Where can I obtain additional information or clarification regarding the loan servicing transition and the impact it may have on my loan(s)? Private lenders and the Department of Education entrust ECSI to manage these services with borrowers. You should begin sending your payments to the address printed on the ECSI billing statements you receive. Your ECSI billing statements will contain a Heartland Key. 4,150,603 reviews on AVCNET are verified. P.O. They help them in the process of repayment by walking them through everything - from getting a new payment plan or to just get the balance paid in full. This form is available via PDF and can be printed out upon receipt of this notice. The company is sometimes referred to as Heartland ECSI. Update your contact information with your most recent address, phone number and email address. ECSI offers several student loan repayment options: Standard Repayment Plan: A standard repayment plan lasts up to 10 years and the monthly installment payment remains the same throughout the repayment period. Process monthly payments and extra payments. Repayment To ensure that you are not penalized as a result of this transition, late fees will not be assessed for bills generated by ECSI during the months of August, September and October 2017. Southern New Hampshire University CREDIT & COLLECTIONS Phone: 1.888.867.7376 Email: credit@snhu.edu Unlike most other federal student loans, Perkins loans are not eligible for any type of income-driven repayment plan. ECSI has maintained a government contract to service Perkins loans since 2013. Our partners cannot pay us to guarantee favorable reviews of their products or services. Loans managed by ECSI are not eligible for the White Houses one-time student debt cancellation plan. Mentor Content is based solely on the author's opinions and is not provided, approved, endorsed or reviewed by any financial institution or partner. You can make additional payments over the phone or via online chat. . Heartland ECSI partners with over 2,200 colleges and universities to provide solutions such as student loan servicing, payment processing, refund disbursement, tuition payment plans, tax document services, delinquent account recovery, tax document services and many other outsourced services. Email [emailprotected] or call their customer service team. It makes it easy and possible to pay the tuition of your school over the months without even looking at the incurring late fees if it is pending or any other fee. You can even live chat with the customer service representative from Monday to Friday from 8 am to 7 pm EST. This method should be used only as a last resort, the federal student aid office says. Servicers are there to help you, but they may offer choices that are best for the company, not the borrower. In some instances, you will be required to sign a Truth in Lending Disclosure as part of the payment plan set up process. In fact, their customer service is excellent. Eliza Haverstock is a lead writer on NerdWallet's student loan team covering loan repayment and alternatives to traditional four-year degrees. ECSI 1200 Cherrington Parkway, Suite 200 Coraopolis, PA 15108. Access 1098-T Issued Prior to 2018. ECSI Customer Service: How To Contact | Mentor Stay Connected. This helps you stay in good standing to avoid default. After July 31st, it is recommended that you mail payments with the Conduent/ACS coupon directly to ECSI at the following address: Heartland ECSI P.O. See your spending breakdown to show your top spending trends and where you can cut back. If my payment is not credited to my account by the due date and the posting delay is a result of this loan servicer transition, will my loan be subject to a late fee? Phone payments -ACH and credit card payment methods are accepted through the telephone. This may impact which companies we review, the products we evaluate, and where and how a product appears on a page. Here is a list of our partners. The fee will be assessed regardless of the reason why your bank did not honor your check. When you sign up for autopay, you may receive a reduction in your student loan interest rate. Register for online access to your account. Late fees will typically be assessed when your payment is 10 days late (or around the 20th of the month). Where can I obtain additional information about the services ECSI provides to borrowers? Student Loans, Student Loan Contact Us. If you did receive such a letter, be sure to set up your ECSI profile and cancel any automatic payments with your previous servicer. ECSI is a servicer for borrowers with federal Perkins loans. . Eliza Haverstock is a lead writer on NerdWallet's student loans team, where she focuses on loan repayment and alternatives to traditional four-year degrees. Here's how to reach Heartland ECSI customer service: ECSI phone number: 1-888-549-3274 ECSI hours of operation: Monday - Friday, 7:30 a.m. - 9:00 p.m. 650 College Dr. Dalton, GA 30720 (706) 272-4436. MORE: How to get forgiveness for your Perkins loans. After you receive your Heartland Key from ECSI, you will need to register on the ECSI website to access your account information and take advantage of expanded payment options and electronic statements. Alternative loan borrowers. Under Heartland ECSI, the student loans are not set at a 5% interest rate. ECSI tracks and collects your payments. The institution usually goes for these loans for students because it has a lower interest rate. So how do we make money? If the period covered by the deferment processed by Conduent/ACS will expire in July, August or September, what should I do if I'm still eligible to receive a deferment? Our partners cannot pay us to guarantee favorable reviews of their products or services. When youre ready make contact, here's how: You can also reach out to a student loan assistance nonprofit like. You can make additional payments over the phone or via online chat. You can contact a student advocate usingLive Chator toll-free at 844.454.6100, Monday to Friday from 7:30 am to 8:00 pm Eastern Time. The last drafts to be made will be those for payments due in July 2017. For borrowers to make contacts with them, the ECSI makes paying back of loans simple and fast. To make a payment, you can sign in, click Payments and enter your payment information. Schools no longer issue Perkins loans, so ECSI manages only existing Perkins loans. We are a growing payment technology solutions organization based in Warrendale, with a satellite office in Winston Salem, NC, that offers its employees; a casual work environment, health insurance on your first day of employment, and a generous amount of paid time-off. Since our inception in 1972, ECSI has established itself as the Industry Leader by being the most responsive, stable and cost-effective company in the Student Loan Management Industry. On the flip side, if you received a letter saying your loans were transferred to ECSI, that means ECSI is now servicing your loans on behalf of your university. Sign-in or register to manage all of your accounts with ECSI. Visit Website. And, the team behind TeamSupport is more customer-oriented than most big box solutions. Get the latest personal finance advice delivered directly to your inbox. The Department of Education will notify you via letter or email if your loans are transferred, and youll manage payments with the new servicer. The last date of the University's student loan services contract with Conduent/ACS is July 31, 2017. You can also print copies of your billing statements through your ECSI account online. 2.What happens if I miss a monthly payment for a payment plan?