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

Scroll down or click on a topic below for more information:


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.

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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.

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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

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