The billing and payment processing for your student loan will be handled by Heartland Educational Computer Systems Incorporated (ECSI). ECSI is a billing service for the colleges, not a collection agency. We believe this change is a benefit to both borrowers and Minnesota State Colleges and Universities.

One of the many exciting features of the ECSI service is that borrowers will have the ability to access their accounts on the Internet by accessing ECSI's website.Through this site, you will be able to complete your exit interview, verify when payments have been received, update address and phone information, check on your account balance, obtain loan payoff amounts, or signup for electronic billing. You will be given a security code, which allows only you to access your account information. Another feature is that ECSI provides Electronic Funds Transfer (EFT/ACH) with multiple payment date choices and Credit Card payments for all borrowers.

Billings will continue to be due on the 1st of every month.

If you think you are eligible for a deferment, cancellation, or postponement, please continue to contact us at 651-201-1500 or email loans@so.mnscu.edu .


Anoka Ramsey Community College

Bemidji State University

Central Lakes College

Hibbing Community College

Inver Hills Community College

Itasca Community College

Mesabi Range College

Minnesota State Community and Technical   College

Minnesota State University Moorhead

Minnesota State University, Mankato

Minnesota West Community and Technical College

North Hennepin Community College

Northland Community and Technical College

Ridgewater College

Riverland Community College

Rochester Community and Technical College

Southwest Minnesota State University

St Cloud State University

Winona State University