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What to do if you are unable to make your student loan payments for your campus based loan.


If you are unable to meet your payments, you will need to contact Heartland ECSI for the following options: Deferment, Forbearance, and Cancellation.

In order to be eligible for any of these options, your account must be in good standing.


is a period of time during repayment in which the borrower, upon meeting certain conditions, is not required to make payments of the loan principal. Deferment of your Perkins or campus-based loan may be granted if you are:

  • Enrolled in school at least half time (note: school must be registered with the Department of Education)
  • In advanced professional training
  • Completing Medical or Pharmacy internship/residency/fellowship
  • Going through periods of unemployment
  • Going through economic hardship
  • A member of the armed forces or various public or private volunteer organizations (note: only applicable for Federal Perkins Loans)

To request a Deferment, you can reach out to Heartland ECSI or email


is a period during repayment in which the borrower, upon meeting certain conditions and providing support documentation, is allowed to temporarily pause payments of their loan principal, but interest continues to accrue. Maximum time is 36 months for the life of the loan. Forbearance of your Perkins or campus-based loans may be granted if you are experiencing difficulties due to one of these circumstances: 

  • Finances
  • Employment
  • Medical expenses


of your obligation to repay your Perkins loan may be granted if you are employed in:

  • Teaching
  • Early intervention services
  • Law enforcement or corrections
  • Nursing or medical technician position
  • Child or family services
  • Head Start
  • Military

All loans can be discharged for total and permanent disability and death.


combines all of your federal loans into one loan. You would only have this option with the Federal Perkins Loan.

  • Your interest rate will be fixed for the length of the loan.
  • You may include your Perkins loan, but once consolidated, you are no longer eligible for the cancellation options listed on your Perkins promissory note. Additionally, under consolidation, interest will continue to accrue, while in school, which is similar to unsubsidized loans. To request a copy of your Perkins Loan promissory note, e-mail , or call (858) 822-4727.

Consolidation information for all borrowers is available at the Federal Student Aid websites .

For more specific information, read your promissory note(s), or contact your loan servicer. To find out who your Servicer is login to FSA .


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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