Student Loan Servicing

At every college and university across the country, each Student Loan Department operates a little differently.  That’s why Heartland ECSI offers three (3) flexible levels of student loan billing service (ex: Full Service, Modified Service and Super Modified Service) to meet your needs both today and into the future.


From Federal due diligence compliance to data backup and storage and everything in between, we’ve got you covered. By partnering with Heartland ECSI, and regardless of the service level you select, we’ll allow you to focus on what’s really important by relieving you of the following administrative responsibilities:


    Federally required system updates & enhancements

    Data backup & disaster recovery

    Borrower, client and collection agency website maintenance

    Grace audit notices at 90, 150 & 240-days into a grace period

    Annual statement of account letters for ACH and coupon borrowers

    Monthly billing statements and creation and mailing of past due notices

    60-day final demand letters, pre-acceleration notices, and and post-acceleration notices

    Courtesy borrower emails for payment reminders, payment confirmations, entitlement processing, etc.

    In-school student deferment processing & audit statement generation via the National Student Clearinghouse

    Monthly credit bureau reporting

    Monthly NSLDS reporting and error correction services -- 99.97% error-free rating

    Data interface file processing for awards, new loans, separation files, holds on transcripts, etc.

    Document imaging and storage for all checks, remittance statements, entitlement forms, etc.


Heartland ECSI’s Super Modified Service typically works best for clients who are properly staffed and are converting from existing In-House Systems.  As a Super Modified Service client, you’ll know that you are always in compliance with Federal regulations, while still maintaining full contact with your borrowers. This level of service allows you to outsource all of the important “back office” functions that student loan servicing requires while providing you with the control and flexibility that you desire.  Continue processing your borrower’s paper check payments and entitlement forms and still receive all of your borrower’s inbound phone calls.


Our Modified Service is almost identical to our Super Modified Service with the exception of paper check payment processing.  As a Modified Service client, you’ll save time and relieve your administrative workload by allowing Heartland ECSI to process all your borrowers payments on your behalf.


Full Service is our most comprehensive and cost-effective solution to managing your student loan portfolio. As a Full Service Client, Heartland ECSI will provide your borrowers with world class customer service and unlimited phone support along with processing your borrowers payments & entitlements on your behalf.




News & Views

November 10, 2015

Christopher Sebes Named Head of Heartland Commerce

October 30, 2015

Heartland Acquires Digital Dining

August 24, 2015

Heartland Named Best Company to Sell For Second Consecutive Year by Selling Power Magazine

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School Contact Info

General Support 1.800.437.6931

Loan Servicing 1.888.549.3274

Student / Borrower Contact Info

Tuition Payment Plans 1.866.927.1438

Refunds 1.855.250.3230

Tax Documents 1.866.428.1098

(c) 2013 Heartland Payment Systems, Inc. (NYSE:HPY)

Heartland Payment Systems Inc. is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA, and The Bankcorp Bank, Philadelphia, PA.



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