Heartland ECSI Student Loans Servicer Review

Learn about Heartland ECSI loan servicing company, its functions, tuition repayment plan and services it provides such as consolidation and refinancing of student loans

Updated by Gowtham Ramesh on 10th June 2019

The U.S. Department of Education and many other private lenders generally issue loans to the students to help them fund their education. Several lenders provide loans for the student but, they don't want to handle their loan servicing and customer service by themselves. But this doesn't mean that they won't share funds to the school, college payments or other services provides for the potential borrowers to manage their loans.

This is where Heartland Educational Computer Systems Inc, commonly referred to as ECSI comes in action. Heartland ECSI is one of the largest and oldest student loan servicers in the U.S. ECSU services for several types of loans for students at all educational levels. If you are borrowing for school then there is a good possibility for you to deal with ECSI for some of the loans.

List of Contents

Who is ECSI?

Heartland Educational Computer Systems, Inc does not give students loan, it manages the repayment process for all colleges and universities and even private education loans. ECSI too provides the flexibility of repayment duration for the college graduates who have recently moved into the workplace.

This company has been in business since 1972 where it has been serving as the largest servicer in the student loan industry. They have around 2,200 colleges and universities partner to handle the payment of 11 million on a daily basis and to collect over a $100 million payment annually. It can service any type of student loan and provide customer service to the borrowers.

What they do

The key point to know is that ECSI does not really offer student loans. It does manage the collection and processing of the monthly payments. The private lenders and the Department of Education entrust ECSI to manage the borrowers.

The lenders might use these servicers in order to focus on getting new borrowers and all the management work will be done by them. By using the third party servicer it can help you to lower down on the labor cost for making the track of repayments.

This is commonly done in the universities and colleges as they do not have similar staffs or ability to handle the repayment so they hire them for outside help.

 learn how to apply for the ECSI online account with their contact details.

Source - pexels.com

The ECSI also acts as a customer service agent for the borrower in such a way that it picks all the important tax documents that you require. It keeps you updated with the status of your account and help you with other questions too.

Manage your student loan

This consists of a collection of payments and reporting the payment information to the credit reporting bureaus which are 3 bureaus and to access the account information which was borrowed.

Helps refunds

ECSI helps in refunds and thus makes arrangements for the funds to be delivered. you can always log in through an online account with ECSI for selecting how much of your refund is received back. Under direct deposit, you will be having funds to your banks within 2-3 days after the loan is disbursement.

Work for right loan repayment option

The ECSI provides students various options to defer student loan payment when they are in school and provides various payment plans for the student who have graduated or left the academic programs.

Past tuition and fees due

ECSI makes assistance on the student loans for those students who have a past due to the repayment of their loan by working through them to get a payment plan or to just get a balance paid in full. If you are in default, the ECSI education company might report it to credit bureaus.

1098-T Tax Forms

They send out the tax documents to those students who have paid qualified education expenses in their previous tax years. The qualified expenses consist of tuition enrollment fees and the cost of course materials.

ECSI has partnered with around 2,200 colleges and universities where it collects more in a total of $100 million in terms of annual student loan payments.

The collected loans are:

  • Federal student loans

  • Refinanced student loans

  • Institutional loans

  • Private student loans

  • Primary care loans

  • Health and nursing loans

  • Virtual student loans

As a borrower, you are not required to choose whether ECSI will be your servicer or not. The lender assigns you a service and informs you of it, telling you what needs to be done such as the payments and through what means

How ECSI helps student loan borrowers

The ECSI makes paying back of loans simpler and as fast as possible.

Online payments

They make provision for payment through three means such as online, direct payments(recurring ACH payments), e-check (single ACH payments) or credit card.

Phone payments

ACH and credit card payment methods are accepted through the telephone.

Snail Mail

The borrower can mail the check or money order to the ECSI.

The capabilities of online ECSI helps the student loan borrowed to get access to more information efficiently through the system. When it comes to paying tuition and loan, ECSI software handles electronic payments, e-signature for master promissory notes, online in and exit of interviews, Credit bureau reporting mechanism to process the IRS 1098.

Available tuition payments plans

The ECSI not only provides you the option to pay back the student loan, but it also offers you tuition payment plans for the eligible students where it makes it easy and possible to pay the tuition of your school over the months without even looking at the incurring late fees if any is pending or other fees. Their services prevent the payment of huge fees in the long run.

Tuition payment plans are optional and vary between schools. ECSI makes it efficient by maintaining a total list of schools which allow payment plans. This also includes schools that are in Arizona, Maryland, West Virginia, and Boston too.

ECSI loan servicing company, its functions and tuition payment plan with consolidation and refinancing of loans

Source - pexels.com

To get in for this payment plan and make a payment you need to visit the ECSI payment plan page and sign in to get all the instructions in order to complete the application. Go for the school that you are in and follow up on the action.

After you get access to your account, access the information and check the available payments which are listed and which allows you to pay tuition, student fee and student housing cost for a period of several months than doing it once at the beginning of the year.

How to create an ESCI account

The company normally works with the colleges and the universities and the school's financial websites are often directed towards  you to create an online account with the ECSI

  1. Go to their website, click on the sign in or register button where you will get a register window.

  2. Create a username and password for yourself.

  3. Follow up with the continue button next. You will be required to enter your personal information such as the name and date of birth.

  4. You are required to choose a security question and keep the answer protected for your use only and make a login later. This is often used during password recovery in cases of forgotten passwords.

  5. Go for sign in and accept it.

  6. Use the username and password that was created before and make use of it to get a login

  7. You are required to answer one of the security questions which you have chosen. This will only work when it's required in the case of login in from a newer device.

  8. Now you need to connect your accounts which requires information that has ECSI key or the school code, account number and the ECSI PIN.

  9. You will be at your school account screen in no time. Click the red plus sign which is located below connect an account.

  10. Enter the following information which you have received from the lender of yours.

  11. Using the ECSI key of yours enters the key on the left side under the connect an account then press connect.

  12. Enter your ECSI PIN on the right side of the box with the school code and your social security number as well as your loan account number.

  13. ECSI Key will be displayed and processed on the left side of the box.

  14. Your loan account might be connected by now.


Borrowers have given a mixed review from the point of student loan servicer and in terms of companies customer service teams too. A total of 148 complaints are been made with the Better Business Bureau about ECSI.

  • ECSI processes the payment twice, which leads to the misleading and insufficient fund while checking the accounts, a student claimed.

  • Others claim that they never received any paper works for public service loans.

  • The failing to set up an automatic payment plan and ACH transactions properly have also been filed

  • Long waiting for customers supports when getting at ECSI.

  • Even the complaint board also has received a complaint on the ECSI which states that the ECSI business practices have been downright greedy.

Many customers do say that their service is awful and the website is hard to go around and ECSI charges fees for the online payments. The others complained about the payments missing while the site was under maintenance.

Consolidating your federal loans

If you have federal student loans that are serviced by Heartland ECSI, consolidating of your loans to a direct consolidation loan will help you in the option for loan forgiveness under the income-driven repayment approach.

You can tell if there are loans that are set exactly at 5% and the institution usually goes for the loans for students because it has a lower interest rate but, the school forgets to see that the interest rate. There aren't any eligible type of student or loan forgiveness or federal repayment programs to consolidate these non-direct loans to even become eligible for the federal forgiveness programs.

Refinancing your private loans

Under heartland ECSI, the loans are not set at a 5% interest rate. Having Heartland ECSI as a loan servicer and wishing to pay off this loan faster might require a wise refinance of the loan with a new lender.

The advantage of refinancing is that you can choose the lender and servicer and the advantage of cashback bonuses are readily available. By doing this you might get a lower interest rate and better terms on saving of your thousands in interest.

How to contact ECSI?

You can get in touch with ECSI from Monday to Friday from 7.30 am to 8.00 pm EST

Loan Servicing: 888-549-3274

Tuition Payment Plans: 866-927-1438

Financial Aid Refunds: 855-250-3230

Tax Documents: 866-428-1098

You can even live chat with the customer service representative from Monday to Friday from 8 am to 7 pm EST


Looking at the complaints you might not need the ECSI as a servicer or you might be disappointed that it has been chosen to service your loans. Sadly if you are facing any trouble with the ECSI as a servicer, you can always call or send them a mail to get the issue resolved.

The option of changing a servicer requires you to consolidate the eligible federal student loan with the Department of education or to the private loan.

ECSI has so many different loans where it has no guarantee that these steps will help you with your new servicer.

Other student loans that are serviced have also received complaints and have been sued by the borrowers as soon as the new servicer couldn't live up to the expectations.

Having a broad understanding of your obligations as a borrower goes a long way to help out and make sure you confirm to all the payments which have been made and also contact ECSI if you feel something is wrong.


  What is ECSI as an agent?

Educational Computer Systems, Inc. (ECSI) is a Pittsburgh-based one-stop-solution for software, loan processing, and IRS 1098 services. The company has disputed industry competitors with its very efficient computing and software systems help campuses and individuals manage student debt obligations.

  What is ECSI Refund?

The refund selected from the ECSI which school you have chosen and the refund provides you with an offer to convenient, fast and much secure to get access of all your refund monies and the prepaid cards make it simpler to get hold of the college tuition refund money.

  Is ECSI a federal loan?

ECSI does not offer student loans where it manages only the repayment process of the college and the universities as a lender which provides education loans. It also provides flexibility of repayment terms for all the college graduates who have moved out of college to work.

  What is Heartland ECSI?

Heartland ECSI is a student loan servicing company. It's one of the largest student loan servicers in the industry which has partnering around 2,200 colleges and universities. ECSI handles more than 11 million payments per day and manages $100 million payments each year.

  What type of loan is heartland ECSI?

As said heartland is a student loan servicer which states that the company doesn't offer student loans instead it makes a collection of those payments for the loans where i=many borrowers have Perkins loans as defunct and will have their loan serviced by the Heartland ECSI.

  What do I do If I did not receive a 1098 T?

If the school of yours is not sending the 1098-T don't be panic. you can still file for eligible education expenses on the federal income tax return. The IRS usually requires a form 1098-T  for a student to get hold of the education credit well its different for the tax year of 2018.

  Do you get money back from a 1098 T?

The tuition and fees which are a deduction and reduced the amount of income on the return if you don't own any taxes then the deduction is meaningless on the tax benefit. If the scholarships are reported on the form 1089-T which might decrease the refund or might get low on the refund.

  Does Heartland ECSI report to credit bureaus?

Which involves collecting the payments and reporting of the payments information on the 3 major credit reporting bureaus. To get it on the account information to the borrowers needs to go to the heartland ECSI and the necessary on the basis of need the ECSI reports it to the credit bureaus.

  What does ECSI stand for students loans?

ECSI stands for Education Computer System, Inc it's more than a student loan company. The Education Computer System, Inc is originated in the Pittsburgh where it serves as a one-stop place to get answered about all the student loan questions. It also processes the loan and IRS 1098 services.

  10. How do I find my heartland account number?

The account number of yours can be found in the upper right-hand section with all printed and mailed communication and notifications. The account number length will be 17 characters which consist of alphanumeric an example can be found here 001122-12345678912.