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Student Loans

The Loan Collection Office handles the collection of campus-based loans for the ten campuses of the University of Hawaii. The campus-based loans include State Higher Education Loans and Hawaii Educator Loans

ECSI is the billing agency for the University of Hawaii's campus-based loans. 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 ECSI at 1-888-549-3274.

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 ECSI at 1-888-549-3274.

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 fees, attorney fees, court costs, and other fees.

Student Loan Links

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

Students/Borrowers Payments:
P.O. Box 1287
Moon Township, PA 15108

P.O. Box 1289
Moon Township, PA 15108

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:  (844) 743-1302

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


Q: Who is the billing servicer for my student loan?

A: ECSI is the billing servicer for the University of Hawaii’s State Higher Education Loans and Hawaii Educator Loans.

Q: Where do I send my loan payments?

A: The payment address is: ECSI, P.O. Box 1287, Moon Township PA 15108. Make your checks payable to the University of Hawaii.

Q: I do not have checks. How can I make the payments?

A: Contact ECSI at 1-888-549-3274 if you need assistance with online payments, automatic ACH payments or credit card payments. Or you can log on to their website at:

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

A: Contact ECSI at 1-888-549-3274 to find out why you have not received a bill.

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
FAX: 808-956-9497

Window Hours:  Monday – Friday, 8:30am to 2:30pm, excluding state observed holidays

Name Area of Responsibility Phone Number Email
Susan Mabe Manager
Loan Collection
(808) 956-2266
Lisa Sumiye General Accounting (808) 956-2274


Policies and Guidelines

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 ECSI website at . If you have questions about your eligibility or need assistance completing the form, please call 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