Loans Receivable

Please contact our loan service provider for general questions and requests:

ECSI
181 Montour Run Road
Coraopolis, PA 15108
Phone: (888) 549-3274
Fax: (412) 494-5626
On the web: www.ecsi.net

Deferments

Interest does not accrue and payments need not be made during any period of eligibility for deferment. Deferments are not granted in advance. A deferment of repayment is granted to borrowers who file a properly executed and certified request at the START of a period of eligibility. Deferment request forms must be submitted in a timely manner. One of the following deferrals may apply to your loan(s).

Deferment Condition:

  • At least half-time enrollment as a student
  • Rehabilitation training
  • Graduate fellowship study
  • Eligible internship or residency program
  • Inability to secure full-time employment
  • Economic hardship
  • Hardship as determined by school
  • Forbearance
  • Peace Corps/ACTION program volunteer
    Full-time volunteer for tax-exempt organization in service comparable to Peace Corps or ACTION
  • U.S. Armed Services
  • Officer in the Commissioned Corps of U.S. Public Health Service
  • National Oceanic and Atmospheric Administration Corps
  • Nurse/medical technician providing health care services
  • Temporary total disability or care for temporarily totally disabled spouse/dependent
  • Pregnancy, care of newborn or newly adopted child
    Mother of pre-schooler working or returning to work
  • Employment in Head Start Program
  • Teacher in designated low-income school
  • Teacher of special education, including teachers of infants toddlers, children or youth with disabilities
  • Provider of early intervention services
  • Teacher of mathematics, science, foreign languages,  bilingual education or other field of expertise determined by state education  agency to have a shortage of qualified teachers
  • Provider or supervisor of provision of services  to high-risk children from low income communities and their families

Forms

Cancellations

A percentage of your loan may be cancelled if you meet the eligibility requirements. Cancellation request forms must be submitted in a timely manner. Following is a list of cancellations that may apply to your loan(s).

Cancellation Criteria:

  • Total and permanent disability or death of borrower
  • Full-time employment in a Head Start Program
  • Full-time law enforcement or correction officer
  • Full-time teaching in low-income school eligible for funding under Chapter 1 of the Education Consolidation and Improvement  Act of 1981
  • Full-time special education teacher, including teacher of infants, toddlers, children or youth with disabilities
  • Provider of early intervention services in a public or other nonprofit program under public supervision
  • Full-time teacher of handicapped students in a public or other nonprofit elementary/secondary school
  • Full-time teacher of mathematics, science, foreign languages, bilingual education, or any field of expertise determined by  the state education agency to have a shortage of qualified teachers
  • Provider or supervisor of provision of services  to high-risk children from low-income communities and their families
  • Nurse or medical technician providing health care services
  • Peace Corps or ACTION volunteer or comparable service
  • Service in U.S. Armed Forces

If you think you qualify for these benefits, you must apply with a proper request form. To obtain a deferral or cancellation request form, download the form in Adobe Acrobat Format or call or write our office. Also, your coupon booklet has a form request coupon in the front. During your grace  period you will receive notices about your loan, on which you can request these forms.