Repaying Your Loan
Federal Perkins Loan and NC State University Institutional Loan Repayment
Education Computer Systems, Incorporated (ECSI), a billing service for student loans, is under contract with North Carolina State University to perform the billing and accounting for the Federal Perkins Loan and NC State University Institutional Loan Programs. You may contact ECSI toll free at (888) 549-3274.
Online access to your account is available at heartland.ecsi.net.
Select the “Log In To My Account” link and enter our school code: 2S
From there, you will be able to verify payments received, update address and phone information, check your account balance, obtain payoff amounts, or sign up for electronic billing. ECSI also provides Electronic Funds Transfer (EFT/ACH) for all borrowers.
All loan payments should be directed to ECSI and not to NC State University. Make checks payable to NC State University and send the payment directly to:
NCSU c/o ECSI
P.O. Box 1287
Moon Township, PA 15108
Please include your Heartland Key or Account Number in the memo section of your check or money order.
The student loan you received to help you with your education comes from a revolving fund. Your prompt payment of this loan will return monies to the fund, which can then be used by others for funding their education.
Billing will be on the fifteenth day of each month and the payment is due on the first of the next month. Always include your account number on your check or money order.
You must make payments on your loan even if you do not receive a bill or payment notice. Billing statements are sent to you as a convenience, but you are obligated to make payments even if you do not receive any reminders.
If you fail to make full payment when due or do not file forms with the proper documentation in a timely manner, you will be assessed a late charge and may be reported as a delinquent account to the national credit bureaus.
If you fail to fulfill your responsibilities concerning your student loan, you may be required to repay the entire loan immediately including all interest, late charges, and collection costs. Any legal costs incurred in the collection of your loan will be charged to you.