Skip to Content
California State University, Long BeachCalifornia State University, Long Beach

Federal Perkins Student Loan Repayment Information

General Information

Heartland ECSI is responsible for Pre Loan counseling, providing information regarding the terms and conditions of your loan, questions about consolidation, automatic direct deposit, and general maintenance of your Federal Perkins Student Loan.

For Payments and Other Questions, please contact:

Heartland ECSI
100 Global View Drive
Warrendale, PA 15086 USA
(888) 549-3274

For Forbearance and Deferment inquiries, please contact:

Eduardo Castro
CSULB Student Loan Analyst
(562) 985-8562

Your Rights and Responsibilities

A Federal Perkins Student Loan is a binding legal obligation. When you sign a promissory note, you are agreeing to the terms of the loan even if you don't complete your education, are unable to find a job, or if you are dissatisfied with CSULB in general. It is a loan which, if it remains unpaid, may result in serious consequences.

When you cease to be enrolled at least half-time, CSULB will initiate your nine-month grace period and you will begin receiving your statements every quarter.

Although statements will be mailed to you by our billing servicer, it is ultimately your responsibility to make payments when due.

Even if you do not receive a bill or a repayment notice, you must still make payments on your loan as agreed. This information will be provided to you via an electronic counseling session which you are required to complete. It is stressed again in your exit counseling sessioin when you leave CSULB.

These sessions are mandatory. They provide you with vital information such as loan amounts, your interest rate, minimum and maximum repayment amounts, consolidation, and repayment terms. Failure to attend necessary sessions will result in withholding of funds and/or withholding of university services.

Loan Terms

Payments on Federal Perkins Student Loans are made directly to the University or its billing agent, Heartland ECSI. You (the borrower) are responsible for paying the principal and interest that accrues on your loan beginning 9 months after the date that you cease to be at least a half-time student at an institution of higher education. Interest will accrue from the beginning of your repayment period. CSULB will report the amount of your installments along with the amount of this loan to national credit reporting agencies when disbursed. Your first payment will begin in the twelfth month after exiting the institution and will end after completion of your payments, according to your repayment schedule. Your payment plan may be extended or shortened, depending upon your special circumstances, during periods of deferment, hardship, or forbearance, or upon written request and approval by the Perkins Loan Department. As a recipient of a Federal Perkins Student Loan, there are many entitlements at your disposal. Please read your promissory note or contact the Loan Collections Department if you believe you qualify for any of the benefits listed. We will help you in any way that we can.

Collection on Defaulted Student Loans

Default is defined as follows:

  • Failure to make a scheduled payment by the due date.
  • Failure to submit appropriate deferment, cancellation, or forbearance forms in a timely manner.

If your payment is due and you cannot make a payment on your Perkins Student Loan, you should contact the Perkins Loan Department to avoid default. Your Loan Analyst will listen to you and take every measure possible to assist you in preventing your loan from going into default. The goal is prevention. Once the loan is defaulted, it becomes much more difficult to assist you. Following are some consequences of default:

  • Late fees and collection costs may be assessed.
  • Credit bureaus are notified, which may affect employment or future financing opportunities.
  • A financial hold will be placed on your student records.
  • Your State income tax refund may be withheld.
  • You may lose your eligibility for future title IV aid.
  • You may lose any deferment or cancellation benefits that you may have been entitled to.
  • Your account may be assigned to a collection agency for further collection activity, litigation and garnishment of wages.
  • Your account may be assigned to the Department of Education for further collection activity, litigation, garnishment of wages, and Federal income tax refund witholding.

It is to your advantage to contact us before default occurs. There are many solutions that we can offer including:

  • Hardship deferment
  • Unemployment deferment
  • Economic hardship
  • Forbearance
  • Student deferments
  • Service deferments
  • Rehabilitation
  • Temporary reduction of payments
  • Consolidation
  • And a multitude of cancellation benefits

Remember, defaulted student loans are pursued to the fullest extent of the law. The Perkins Loan Collections Department at California State University, Long Beach can help you to prevent your loan from going into default and, in some cases cure default.

If you have missed a payment on your student loan, or if you think you will miss a payment, call us now! Only you can prevent default!


If you have several student loans from various sources (e.g.: Stafford, SLS, PLUS, Federal Perkins/NDSL and /or HPSL) you may be eligible to consolidate these loans into one low monthly payment.

Consolidation is intended to make payments easier by allowing you to combine several loans with varying payment schedules and interest rates into one convenient payment. By extending your loan period, monthly payments are lower and often more manageable, but it is not for everyone. Sometimes, this means more interest paid in the long term and possible loss of some benefits. Still, this can be a perfect solution for borrowers who owe large sums of money on several student loans, or who have high monthly payments, or several loans with different lenders. For those borrowers who are having difficulty keeping up with a number of loans taken over the course of their studies, this option is highly recommended.

For more information, or to begin the consolidation process, feel free to call the US Dept of Education Loan Consolidation (800) 557-7392.

Automatic Direct Draft

Automatic draft allows you to make payments on your student loan promptly and efficiently. All you need is a checking account and the resources to cover each draft!

When you sign on for direct draft, Heartland ECSI will deduct each regularly scheduled payment from your checking account. These transactions will appear every month as a debit on your bank statement. You choose the date of withdrawal.

Advantages to using Automatic Clearinghouse (ACH) payments:

  • It's easy. Complete the initial application and relax.
  • It saves time. No more checks to write out.
  • It saves money by eliminating late fees when your payment doesn't arrive on time.
  • It saves postage. No more stamps or trips to the post office.
  • It eliminates worry. No more agonizing about your payments being received.
  • It's smart. Ensure yourself a good credit rating by having your payments automatically applied through ACH.

Applying for the ability to pay using ACH is easy. Just contact Heartland ECSI at (888) 549-3274 and they will walk you through the process.  Once you are done you will receive an acknowledgement that your authorization has been completed.  Remember to continue making payments until you have received notification that your ACH has been set up.