Student Loan FAQ's

Heartland Campus Solutions ECSI is our billing and payment service provider for Perkins Loans, Health Profession Loans, Nursing Loans, and Institutional/Long-Term Loans. The borrower has the opportunity to view account information and set-up payments on-line (https://heartland.ecsi.net or call 888-549-3274). ECSI’s business hours are 7:30 am to 9:00 pm EST, Monday through Friday.

No. The Federal Perkins loan is separate and not related to any Federal Direct Stafford loan lending program.  Perkins loans are administered by the school; Direct Stafford loans are administered by Department of Education loan servicers.

You will be billed for your Perkins, Health Professions, Nursing, Nurse Faculty, and Institutional loans by Heartland Campus Solutions ECSI (ECSI).  You will NOT be billed for these loans on your university bill. 

Visit studentaid.gov.  The National Student Loan Data System (NSLDS) is the US Department of Education’s central database for student aid. NSLDS provides a centralized, integrated view of Title IV loans and Pell grants.

Yes.  Contact us at 513-556-3431 or coloffic@uc.edu.

Yes, visit https://heartland.ecsi.net and select Your Payment Options or call 888-549-3274.  Transaction fees may apply.


  1. Go to ECSI’s website for deferment forms
  2. Under School Name enter University of Cincinnati, select and hit continue
  3. Select the forbearance form you qualify for and click the PDF icon
  4. Follow instructions and return to ECSI

Interest will continue to accrue during forbearance. You will receive monthly bills for the accrued interest. Although you are not required to pay the interest each month, we recommend that you do to avoid facing a high interest payment at the end of the forbearance period. Forbearance offers no post deferment grace period and accrued interest cannot be capitalized.

For more information, visit  Understanding Loan Benefits, Repayment Options, and Forgiveness Benefits in ECSI’s Help Center or contact us at 513-556-3431.

All loans are reported to the major credit bureaus by ECSI.  This occurs at the time the loan is disbursed and continues until the loan is paid in full.  Current as well as delinquent payments are reported.  As a result, during your loan repaying period you have an opportunity to establish a favorable credit rating.

You can contact ECSI by phone at 888-549-3274, or by email at cservice@ecsi.net.  ECSI’s hours are 7:30 am to 9:00 pm EST, Monday through Friday.  For more information, visit https://heartland.ecsi.net