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What they are and what the difference is between being delinquent or in default on your student loans?


Defaulting on your student loans can have many negative consequences. Learn more about the differences and how to avoid them.

If you are unable to meet the repayment schedule on your campus based student loan(s), contact your servicer  Heartland ECSI .

In order to be eligible for various hardship options , your account must be in good standing.

If you have a past due debt, you may receive a Tax Offset letter and have some or all of your tax refund garnished by the U.S. government.


Your loan becomes delinquent the first day after you miss a payment. Even if you miss one monthly or quarterly payment and then start making payments again, your campus based loan account will remain delinquent until you repay the past due amount or make other arrangements, such as deferment or forbearance.


If your loan continues to be delinquent, the campus based loan may go into default. The point when a loan is considered to be in default varies depending on the type of loan you received.

For a loan made under the Federal Perkins Loan Program, the holder of the loan may declare the loan to be in default if you don’t make any scheduled payment by the due date.

If you are defaulted, your campus based loan will be accelerated and possibly assigned to one of the Collections Agencies.


Please refer to the following Collections Agencies Contact Information:

Also refer to the SFS page on Collections for more information or speak with a Collections specialist in our office

Borrower information to pay:

Mailing address: 2000 York Road, Suite 114

Oakbrook, IL 60523

Mailing Address: Coast Professional, Inc. Campus

P.O. Box 2876

West Monroe, LA 71294

Mailing address: 300 Chatham Ave.

Rock Hill, SC 29731


Feel free to e-mail us by clicking below or give us a call at 858-822-4727 if you have additional questions.