Loan Repayment

If you have a Federal Perkins Loan, Health Profession Student Loan, Loan for Disadvantaged Students or an academic loan, repayment begins after you graduate, leave the university or drop below half-time status.

Instructions for loan exit counseling will be sent to your official USC email address by Heartland ECSI, our service provider. During exit counseling you will receive your loan balance, repayment schedule and other important information.

Loan bills are mailed unless otherwise requested. Update your email or mailing address by logging in to Heartland ECSI.

Repayment Schedule

Unless you arrange for a different repayment schedule, standard repayment is 120 months (10 years).

Payments are due the first of each month. Please refer to your promissory note for grace-period information. If you need a copy of your promissory note, email uscsfs@usc.edu.

All current and past-due loans are reported to credit bureaus. Past-due loans are subject to late fees, finance charges and holds, which could prevent you from receiving your diploma, transcripts and other USC services. Delinquent accounts may be referred to outside collection agencies. Borrowers may be responsible for collection fees.

Making a Payment

Payments may be made by mail, phone, online or automated electronic deduction (ACH). Contact Heartland ECSI at 888-549-3274 or log in to Heartland ECSI.

Deferments and Cancellations

You may be eligible for a loan deferment or cancellation under certain circumstances. Please refer to your promissory note or your exit counseling materials for more information. If you need a copy of your promissory note, email uscsfs@usc.edu.

For More Information

Contact Heartland ECSI with questions regarding payments and billing:
Phone: 888-549-3274
Website: Heartland ECSI

Contact USC Student Financial Services with questions regarding deferments, cancellations, loan account information or disputes:
Phone: 213-740-4077
Email: uscsfs@usc.edu