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Student Loans

The Loan Collection Office handles the repayment of campus-based loans for the 10 campuses of the University of Hawaii. These loans include: State Higher Education Loans, Health Professions/Primary Care Loans, Nursing Student Loans and Hawaii Educator Loans.

Our staff is available to assist borrowers with repayment options including loan deferment. We also provide borrowers with information on preventing or resolving loan defaults.

Heartland ECSI is the billing agency for the University of Hawaii's campus-based loan programs. Heartland ECSI is located in Pennsylvania. To use their interactive Voice Response System, dial 1-888-549-3274. Or you can log on to their website at

Repayment Options

Original Repayment Plan:

Your original repayment schedule was included with your exit interview documents. If you did not complete an exit interview, please contact the Loan Collection Office.

Alternate Repayment Arrangements:

If you are having difficulty making your payments, you may be able to change your payment plan. Deferment option is available if you qualify.

Refer to your student loan promissory note for your individual repayment options. If you have any questions, please contact the Loan Collection Office.

Student Loan Default

There are serious consequences for defaulting on your student loan that may include, but are not limited to:

  • Denial of University services such as academic transcripts, diplomas, registration for classes, etc...
  • Credit bureau reporting
  • Withholding of tax refunds
  • Loan acceleration where the entire balance becomes immediately due and payable
  • Loss of deferment and cancellation benefits
  • Denial or suspension of professional and vocational licenses
  • Assignment of loan to a collection agency
  • Litigation
  • Assessment of late charges, collection costs, attorney fees, court costs, and other fees.

Student Loan Links

For payment information or to obtain a deferment form, contact Heartland ECSI:

Heartland ECSI
Students/Borrowers Payments:
University of Hawaii
P.O. Box 718
Wexford, PA 15090-0718

University of Hawaii
P.O. Box 1278
Wexford, PA 15090-0718

The following agencies have been contracted by the University of Hawaii to collect its defaulted student loans:

Account Control Technology
PO Box 8012
Canoga Park, CA  91309
Phone:  (888) 830-7770

Coast Professional
214 Expo Circle, Suite 7
West Monroe, LA 71292
Phone: (888) 815-2843

General Revenue Corporation
PO Box 495999
Cincinnati, OH  45249
Phone:  (800) 234-6258

Williams & Fudge
300 Chatham Ave
Rock Hill, SC  29731
Phone:  (800) 849-9791

Windham Professionals
PO Box 1758
Salem, NH  03079
Phone:  (800) 208-5076

Student Loan FAQs

Frequently Asked Questions

Federal Perkins Loan Liquidation

Q: Do I continue making payments during the liquidation (transfer) to Department of Education?

A:Yes, please continue making your payments to Heartland ECSI until you receive notification from DOE

Q: Are my checks payments being held?

A: No, they will be deposited but not applied to your account.

Q: If my payments are deposited and not applied to my account, where are they?

A: The payments received for loans in repayment are placed in an escrow account until your loan is accepted by Department of Education.

Q: When will my payments be sent to the Department of Education?

A: Payments sent to UH's Heartland ECSI schedule to be mailed to DOE:
     January – April 2019 payments will be mailed on 5/31/2019
     May 2019 payments will be mailed on 6/28/2019
     June 2019 payments will be mailed on 7/31/2019
     July 2019 payments will be mailed on 8/30/2019
     August 2019 payments will be mailed on 9/30/2019
     September 2019 payments will be mailed on 10/31/2019
     October 2019 payments will be mailed on 11/29/2019
     November 2019 payments will be mailed on 12/30/2019
     December 2019 payments will be mailed on 1/31/2020
***If your loan has been assigned to the USDOE, please be sure to sign in to your FED ECSI account and not the UH ECSI account for updated Perkins loan information and balances. Payments forwarded to the DOE for posting to your FED ECSI account sometimes takes anywhere from 2-6 weeks from the time UH forwards the payments.

Q: I do not have checks, how can I make payments and will it be processed?

A:Please contact Heartland ECSI at 1-888-549-3274 if you need assistance with online payments, automatic ACH or credit card payments. All payments will be processed upon receipt.

Q: Will I receive any statements when the loan account is frozen?

A:No statements will be sent while the loan is frozen. When the loan is frozen after December 31, 2018, it means payments, deferments or cancellations will not be applied to the loan.

Q: How would I know when my payments are received and deposited but not applied to my loan account?

A: Please contact the billing servicer Heartland ECSI at 1-888-549-3274

Q: Why is it necessary to continue making on-time payments?

A: Interest will continue to accrue for all loans in repayment. Upon acceptance, Department of Education will post your payments according to the dates received and deposited.

Q: Will the billing servicer change when my loan is accepted by Department of Education?

A:Department of Education (DOE) will notify you via post mail. You will receive notification from “ECSI Federal Perkins Loan Servicer”. They will provide information on where to send your payments as well as contact information for assistance.

Q: Where do I update my current mailing address and telephone number during the liquidation transition?

A:Please update your current mailing address and telephone contact at


Q: I have not received a bill for my student loan. What should I do?

A: Contact the Loan Collection Office to find out why you are not receiving your bills. Be advised that you are responsible for paying your loan even if you did not receive a bill.

Q: I am unable to make the schedule loan payments. What should I do?

A: Contact the Loan Collection Office for alternate repayment arrangements. You may be eligible for a loan deferment. Be advised that the Loan Collection Office will not be able to help you once your loan is assigned to a collection agency.

Q: I've been paying on my student loans but I am still receiving past due notices. What should I do?

A: Contact the Loan Collection Office to determine why your loan is past due. If you remitted a payment late, you may have been assessed a late fee which made your loan past due. Or you may have other loans that are being serviced by different billing agencies. If you overlooked one of your loans, you will receive past due notices until that loan is brought current.

Q: I am thinking of consolidating all of my student loans. Can I assume that all of my loans will qualify for loan consolidation?

A: Not all loans are eligible for loan consolidation. Be advised that State Higher Education Loans are not eligible for federal loan consolidation.

Contact Us

Loan Collection Office
1404 Lower Campus Road Building 171-H Room 38
Honolulu, HI, 96822
Phone: 808-956-8785 or 956-6645
FAX: 808-956-9059

Window Hours:  Monday – Friday, 8:30am to 3:30pm, excluding state observed holidays

Office Hours: Monday - Friday, 8:30am to 4:30pm, excluding state observed holidays

Name Area of Responsibility Phone Number Email
Susan Mabe Supervisor
Student Loan Servicing and Collection
Eunice Chong Student Loan Servicing and Collection 956-5884
Lisa Sumiye Student Loan Accounting and Reporting 956-2274


Policies and Guidelines

Hawai'i Code of Federal Regulations

Title 42 Part 57 - Health Professions and Nursing Loan Programs

Hawai'i Revised Statutes

§40.35.5 - Assessment and Collection of Service Charges for Dishonored Checks

§231-51 to §231-59 - Recovery of Money Owed to the State

§304A-601 to §304A-604 - State Higher Education Loans §304A-2160

§304A-701 to §304A-704 - Hawaii Educator Loans

§657.1.5 - Limitation of Actions Not Applicable to State

Administrative Rules

Chapter 20-8  - State Higher Education Loans

Chapter 20-10  - Delinquent Financial Obligations

Chapter 20-25  - Hawaii Educator Loans

Administrative Procedures

AP 8.621 - Delinquent Financial Obligation Tax Setoff Hearings
AP 8.731 - Student Accounts Receivable and Delinquent Financial Obligations
AP 8.740 - Dishonored Checks


If you require assistance completing any of the listed forms, please contact the Loan Collection Office at or (808) 956-8785.

Deferment Form

You may download an application form for deferment, from the Heartland ECSI website at . If you have questions about your eligibility or need assistance completing the form, please call Heartland ECSI 1-888-549-3274.

Consent for Release of Information

Complete a Consent For Release of Information form if you would like the Loan Collection Office to release confidential information to an individual or an organization

Reference Sheet

Complete a new Reference Sheet if you would like to update the personal references for your loan.