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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 intercepted by the CA Franchise Tax Board.


Your loan becomes delinquent the first day and before 9 months of no payments. 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. The consequence for being in a delinquency status will affect your account to prepare the assignment to a Collections Agency.


Your account is defaulted when no payments are made starting 270 days or 9 months past the due date. For a loan made under the Federal Perkins Loan Program, the holder of the loan may declare the loan to be in a default if you do not make any scheduled payment by the due date. The consequences for being in a defaulted status will affect the following: 

  • Entire unpaid principal balance, past interest, late fees, and collection agency fees (if applicable) are all due. (accelerated)
  • Lose eligibility for Entitlements (Deferment, Forbearance, or Repayment Plans)
  • Loan account is assigned to a Collections Agency
  • Credit Score is negatively affected
  • State Tax Refund intercepted/withheld (Federal Tax Refund for Perkins Loans & Direct Loans)
  • Possible Wage Garnishment (Perkins Loans & Direct Loans)



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 online:

Mailing Address:
Coast Professional, Inc. 
P.O. Box 2876
West Monroe, LA 71294

Borrower information to pay online:

Mailing address: 
Williams & Fudge, Inc.
P.O. Box: 11590
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.

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