Billing: Heartland ECSI

The billing and payment processing for your student loan will be handled by Heartland Educational Computer Systems Incorporated (ECSI). Heartland ECSI is a billing service for the colleges and universities, not a collection agency.

One of the many exciting features of the Heartland ECSI service is that borrowers will have the ability to access their accounts by accessing Heartland ECSI's website.Through this site, you will be able to complete your exit interview, verify when payments have been received, update address and phone information, check on your account balance, obtain loan payoff amounts, or signup for electronic billing. You will be given a Heartland Key, which allows only you to access your account information. Another feature is that Heartland ECSI provides Electronic Funds Transfer (EFT/ACH) with multiple payment date choices and Credit Card payments for all borrowers.

Billings are due on the 1st of every month.

If you think you are eligible for a deferment, cancellation, or postponement, please continue to contact us at 651-201-1500 or email


  • Anoka Ramsey Community College
  • Bemidji State University
  • Central Lakes College
  • Hibbing Community College
  • Inver Hills Community College
  • Itasca Community College
  • Mesabi Range College
  • Minnesota State Community and Technical   College
  • Minnesota State University Moorhead
  • Minnesota State University, Mankato
  • Minnesota West Community and Technical College
  • North Hennepin Community College
  • Northland Community and Technical College
  • Ridgewater College
  • Riverland Community College
  • Rochester Community and Technical College
  • Southwest Minnesota State University
  • St Cloud State University
  • Winona State University