Loans

The USC Financial Aid website maintains comprehensive information on federal loans and private financing options to help you pay for your USC education. While USC Financial Aid determines eligibility for loans, USC Student Financial Services manages disbursement to your student account.

Title IV Aid

Per federal regulations, Title IV aid (Federal Direct Stafford loans, Federal Direct Parent PLUS loans, Federal Direct Graduate PLUS loans, Federal Perkins loans) posts to your student account no sooner than 10 days prior to the start of classes each term.

Federal regulations also require USC to apply Title IV aid only to “allowable charges” — tuition, room and board, and mandatory fees. However, you may authorize Student Financial Services to apply any excess Title IV funds to all other charges through your USCe.pay account. Your authorization remains in effect for future terms unless you change your preferences.

Perkins Loans

You must sign a Master Promissory Note before your Federal Perkins loan may be credited to your student account. Instructions will be sent to your USC email address by Heartland ECSI, our service provider.

The promissory note remains active for 10 years. You have the right to request that no further loans be disbursed under this note by emailing Student Financial Services at uscsfs@usc.edu.

If you are making a payment on a Federal Perkins loan, visit Heartland ECSI for payment information.

If you are requesting a deferment or cancellation, please complete a request form.

Health Professions Student Loan, Loans for Disadvantaged Students, Academic Department Loans

You must sign a promissory note before these loans may be credited to your student account. Instructions will be sent to your USC email address by Heartland ECSI, our service provider.

A new promissory note is required before each disbursement.

If you are making a payment on a Health Professions Student Loan, a Loan for Disadvantaged Students or an Academic Department loan, visit Heartland ECSI for payment information.

If you are requesting a deferment, please complete a request form.