Heartland ECSI is the loan service company that the University uses to process and maintain payment records.

The Perkins Loan Program offers the borrower a 9-month grace period after separation.

Payments for the Perkins Loan Program are due every month.

When a borrower leaves school for whatever reason, or falls below half-time status, the loan is entered into repayment. If you have returned to school at least half-time, you must either file a deferment form.pdf with us or your school must report academic enrollment through the National Student Clearinghouse. In either case, it is ultimately your responsibility to see that your loan is deferred.

Anytime you encounter temporary financial difficulties, you may contact us in writing or by telephone to discuss your options.  Perkins loan borrowers may be eligible for a hardship deferment.pdf, unemployment deferment.pdf, or general forbearance.pdf.

The University of Connecticut, c/o Educational Computer Systems, Inc. Please be sure to include your complete student account number on your check for accurate and timely processing.

Yes, you may make payments, but no billing statements will be sent to you. Please include your full account number on your check.

No. There is no prepayment penalty associated with the Perkins Loan Program.

The payment hierarchy is as follows:

Collection Costs (if your loan is with an outside collection agency)
Late/Penalty Fees
Past Due Interest
Past Due Principal
Current Due Interest
Current Due Principal

The Perkins Loan utilizes a simple interest calculation based on the principal balance at the time of billing.

You can set up automatic installment payments for your Perkins Loan.  To do so, please go to the Heartland ECSI website.

You can check your account online through Heartland ECSI (our billing service). You will be required to establish a username and password.

No, you would need to work with the collection agency to discuss payment arrangements and/or deferment options.    The only time we would waive collection costs is if it was our error, or for extenuating circumstances (one time basis).

Log on to www.ecsi.net and complete release.  You may then list the names of the people you would like to allow us to give your Perkins Loan information to.

Income Based Repayment Plans are not allowed for Perkins Loans.