ECSI Customer Service: How To Contact

By Mentor Staff | Edited By Mentor Staff

Updated On September 12, 2022

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.

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ECSI is a student loan servicer that focuses primarily on Perkins Loans and private student loans. As a student loan servicer, ECSI acts as a “middle man” between you and your student lender, which could be the U.S. Department of Education, your school or a private lender. 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.

Here’s what you should know about ECSI and how to contact ECSI regarding your student loans. In this guide, we will discuss:

Top Picks For Student Loan Refinancing

October 2022

Variable APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest rate can fluctuate over time, which can increase or decrease your monthly student loan payment. Typically, a variable-rate loan has a lower introductory rate than a fixed-loan rate loan. Variable APR includes a 0.25% discount when you enroll in autopay.
Fixed APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Fixed APR means that your interest rate will always stay the same. Even if interest rates change, your interest rate or monthly payment will not. Fixed APR includes a 0.25% discount when you enroll in autopay.
APR
3.40% - 8.40%
3.99% - 8.24%
3.40% - 8.40%

View Details

on SoFi's website

Overview

Variable APR:
3.40% - 8.40%
Fixed APR:
3.99% - 8.24%
Minimum Credit Score:
650
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000 ($10,000 in CA)

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All states
Hardship Deferment:
Yes
Co-signer Option:
Yes
2.49% - 7.99%
3.74% - 8.49%
2.49% - 8.49%

View Details

on Earnest's website

Overview

Variable APR:
2.49% - 7.99%
Fixed APR:
3.74% - 8.49%
Minimum Credit Score:
650
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5-20 years
Borrower Residency:
All States except NV
Hardship Deferment:
Yes
Co-signer Option:
No
2.49% - 7.99%
3.74% - 8.49%
2.49% - 8.49%

View Details

on NaviRefi's website

Overview

Variable APR:
2.49% - 7.99%
Fixed APR:
3.74% - 8.49%
Minimum Credit Score:
650
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,001 ($10,001 in CA)

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5-20 years
Borrower Residency:
All States except NV
Hardship Deferment:
Yes
Co-signer Option:
No
2.48% - 7.24%
4.29% - 7.29%
2.48% - 7.29%

View Details

on ELFI's website

Overview

Variable APR:
2.48% - 7.24%
Fixed APR:
4.29% - 7.29%
Minimum Credit Score:
680
Minimum Income:
$35,000
Fees:
None
Minimum Loan Amount:
$10,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All States
Hardship Deferment:
Yes
Co-signer Option:
Yes
2.49% - 11.72%
2.59% - 8.74%
2.49% - 11.72%

View Details

on Splash's website

Overview

Variable APR:
2.49% - 11.72%
Fixed APR:
2.59% - 8.74%
Minimum Credit Score:
640
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5 – 25 years
Borrower Residency:
All states
Hardship Deferment:
Varies
Co-signer Option:
No
3.84% - 10.07%
4.49% - 10.11%
3.84% - 10.11%

View Details

on Citizens' website

Overview

Variable APR:
3.84% - 10.07%
Fixed APR:
4.49% - 10.11%
Minimum Credit Score:
Not disclosed
Minimum Income:
$24,000
Fees:
No prepayment or origination fees
Minimum Loan Amount:
$10,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All states
Hardship Deferment:
Yes
Co-signer Option:
Yes
2.50% - 6.30%
3.99% - 6.40%
2.50% - 6.40%

View Details

on Laurel Road's website

Overview

Variable APR:
2.50% - 6.30%
Fixed APR:
3.99% - 6.40%
Minimum Credit Score:
660
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All States
Hardship Deferment:
Yes
Co-signer Option:
Yes
4.13% - 7.39%
2.99% - 9.93%
2.99% - 9.93%

View Details

on LendKey's website

Overview

Variable APR:
4.13% - 7.39%
Fixed APR:
2.99% - 9.93%
Minimum Credit Score:
680
Minimum Income:
$24,000
Fees:
None
Minimum Loan Amount:
$5,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All states, except ME, ND, NV, RI, WV
Hardship Deferment:
Yes
Co-signer Option:
Yes
-
3.94% - 9.08%
3.94% - 9.08%

View Details

on ISL's website

Overview

Variable APR:
-
Fixed APR:
3.94% - 9.08%
Minimum Credit Score:
670
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000 ($10,000 in CA)

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All states, except OR and ME
Hardship Deferment:
Yes
Co-signer Option:
Yes

Is ECSI my student loan servicer?

If you think ECSI may be your student loan servicer, or if you’re not sure who’s your student loan servicer, then you can verify your student loans with these simple steps.

  • Log into the National Student Loan Data System (NSLDS).

The NSLDS database includes all information about your student loans, including balances, history and student loan servicers. You can login with your Federal Student Aid (FSA) ID.

  • Check your credit report

Your credit report will also tell you whether ECSI is your student loan servicer. You can order a free credit report for all major credit bureaus from AnnualCreditReport.com.

  • Contact ECSI

You can contact ECSI directly to verify if ECSI if your student loan servicer.

Which student loans does ECSI service?

ECSI services several types of student loans, including:

Perkins Loans are low-interest student loans for undergraduate or graduate students with financial need. The Perkins Loan program ended in 2017, but student loan borrowers may still be in student loan repayment for their Perkins Loans.

ECSI student loan repayment options

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.

Graduated Repayment Plan: A graduated repayment plan varies throughout the repayment period. A graduated repayment plan starts with smaller monthly payments and increases over time. For a limited time, the monthly payment is typically interest only and smaller than the standard repayment plan.

Income-Sensitive Repayment Plan: An income-sensitive repayment plan is based on monthly gross income and your amount of student loan debt. The monthly loan payment is based on a fixed percentage of gross monthly income, between 4% and 25%.

Income-Based Repayment (IBR): Income-Based Repayment (IBR) is an example in an income-driven repayment plan, which lowers your monthly payment based on your discretionary income. With an income-driven payment, your monthly payment may be as low as $0.

25-Year Extended Repayment Plan: The 25-Year Extended Repayment Planlowers your monthly payment and extends the repayment plan from 10 years to 25 years.To qualify, you must have a current loan balance of at least $30,000 and your student loans were disbursed after October 7, 1998.

Student loan borrowers with federal student loans also have access to income-driven repayment plans, student loan forgiveness, forbearance and deferment.

How to make student loan payments to ECSI

ECSI offers several ways to pay off student loans. You can sign up for autopay and have your monthly student loan payments directly debited from your bank account. When you sign up for autopay, you may receive a reduction in your student loan interest rate.

You can also pay online on the ECSI website. You can use your ECSI student loans login. When you register on the ECSI website, you will create user ID and password. To make a payment, you can sign in, click “Payments” and enter your payment information.

With ECSI, you can pay online, by debit card and by U.S. mail.

How to contact ECSI customer service

There are various ways to contact ECSI customer service:

ECSI Phone Number: (888) 549-3274

ECSI Phone Number – Refund Disbursements for Financial Aid: (844) 760-6052

ECSI Phone Number – Tax Documents: (866) 428-1098

ECSI Phone Number – Unpaid Tuition & Fees: (844) 454-6100

ECSI Hours of Operation: Monday – Friday from 7:30 a.m. to 9:00 p.m. eastern

ECSI Live Chat: Monday – Friday from 7:30 a.m. to 8:00 p.m. eastern and Saturday from 8:30 a.m. to 5:00 p.m. eastern

ECSI Website: ECSI

ECSI Email: You can email ECSI directly through the ECSI website. For borrower issues, you can email webcservice@ecsi.net. For web or related issues, you can email webmaster@ecsi.net.

ECSI Customer Login: You can access your ECSI login directly on the ECSI website.

Where to Send Payments To ECSI:

Student Loan Payments:

Your School Name

c/o Heartland ECSI

PO Box 718

Wexford, PA 15090

General Correspondence:

100 Global View Drive

Suite 800

Warrendale, PA 15086

How to file a complaint against ECSI

If you want to complain about ECSI customer service or file a complaint against ECSI as your student loan servicer, you have several options. First, you can contact the ECSI student loan customer service by calling (888) 549-3274.

You can also file a complaint against ECSI with:

You should maintain written communication between you and ECSI. This may include your monthly statements, records of communication with a ECSI customer service representative, emails and other correspondence.

You may also contact the U.S. Department of Education Ombudsman:

Phone: 1- 877-557-2575

Mailing Address:

U.S. Department of Education

Federal Student Aid Ombudsman Group

P.O. Box 1843

Monticello, KY 42633

The Federal Student Aid (FSA) Ombudsman Information Checklist is helpful to complete before contacting the Federal Student Aid Ombudsman.

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