ECSI Customer Service: How To Contact
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.
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:
- Is ECSI my student loan servicer?
- Which student loans does ECSI service?
- ECSI student loan repayment options
- How to make student loan payments to ECSI
- How to contact ECSI customer service
- How to file a complaint against ECSI
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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:
- Federal Perkins Loans
- Private student loans
- Student loan refinancing
- Institutional student loans from a college or university
- Health and nursing student loans
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.
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 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
100 Global View Drive
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:
- Consumer Financial Protection Bureau
- Your state consumer protection office
- Federal Student Aid
- Your state attorney general
- Your congressional representative
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
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.