Automatic Direct Draft

Avoid writing monthly checks by signing up for Electronic Funds Transfer on a monthly basis or one time payment. Go to:

Billing Schedule

Payments are due the first of each month. If your payment is not received by the time the next month's bills are run, your account will be assessed a late charge.

Billing Information

The billing statements and/or letters will list your loans. Always return the stub with your remittance so your payment will be credited promptly. If you lose your bill, you may send your payment directly to Minnesota State/Heartland ECSI at PO Box 718, Wexford, PA 15090. Please identify your account by putting X7 and your social security number on your check.

Credit Card Payment

Heartland ECSI accepts credit card payments on your loan. Go to: for more information.

Internal Collections

The Student Loan Service Center wants to work with you to get your loan paid. If you encounter difficulties, please contact our office immediately to try to resolve the problem.


Federal Regulations allow a Federal Perkins Loan borrower to rehabilitate a defaulted loan. The borrower must request this. To rehabilitate, 9 consecutive, on time monthly payments must be made (to be determined by the Service Center). Once the loan is rehabilitated the following will take place: The loan will return to regular status, restoring rights and benefits of the promissory note Credit Bureaus will be instructed to remove default from credit history The borrower may rehabilitate a loan ONE TIME ONLY. For Information please call the Service Center at 651-201-1500 or email us at

Collection Agencies

If you fail to pay your loan or contact us, Federal regulations and Minnesota State Statutes require that your loan be placed with a collection agency when it becomes 120 days past due. Our office cannot set up a repayment arrangement once your account is with a collection agency.
Note: If your account is with a collection agency, but you believe you are eligible for a deferment, or cancellation, you should contact the Student Loan Service Center.

Consequences of a Past Due Loan

  • Negative Credit Rating
  • A hold being placed on your student records
  • A claim on your Minnesota State income tax refund
  • Ineligible for further Financial Aid
  • Your account may be turned over to a collection agency and you will be responsible to pay collection costs.