The Office of the Bursar through its Collections department is responsible for the the repayment and collection of loan payments for the campus-based Perkins Loan, Health Professions Loan,  Nursing Loan and Institutional Short Term Loans. The billing service used for these loans is Heartland ECSI.

Loan Exit Counseling

The U.S. Department of Education (ED) is concerned that students who have borrowed loans fully understand their loan balances and repayment responsibilities. Therefore, whenever students graduate or discontinue their education for any period other than summer term, student loan borrowers are required to complete loan exit counseling.

Federal Perkins, Nursing, Health Professions, and institutional loan borrowers complete specific exit counseling available from the UC Collections Office and Heartland ECSI's online tool.

Even if you plan to enroll again, loan exit counseling at the time you take a break from your education beyond summer term provides valuable information on your loans.

Each loan counseling session takes approximately 25 minutes to complete, and UC will receive record of your successful completion within 48 hours.

  • You will need a specific PIN to access the system; call 1-888-549-3274 to obtain your Heartland ECSI PIN.
  • University of Cincinnati’s school code is "3W".
  • Your SSN will be your account number.

Exit counseling is required when one of the following conditions is met:

  • graduation,
  • complete withdrawal,
  • less than half-time or no enrollment, or
  • no upcoming fall registration for a returning student.

While it is always important to complete loan exit counseling when notified (even if you plan to re-enroll in classes), failure to complete loan exit counseling for Federal Perkins, Nursing, Health Professions, or institutional loans can result in service block holds that prevent refunds and future registration.

Completing exit counseling does not put your loans into repayment. It only provides key information on understanding your loans and responsibilities.