North Dakota University System

Collections

ACH (Automatic Withdrawal)
Avoid writing monthly checks by signing up for Automatic Withdrawal on a monthly basis.  Please complete the ACH Authorization located on the Forms page.

Billing Schedule

Payments are due the first of each month. If your payment is not received by the 10th of the month, your account will be assessed a late charge.

Billing Information

For loans on a monthly billing schedule, a one-year supply of monthly payment coupons will be mailed to you annually.  For loans on an annual billing schedule, a billing statement will be mailed to you.  Always return the stub with your remittance so your payment will be credited promptly. If you lose your bill, you may send your payment directly to SLSC, NDUS at Dept 3180, PO Box 6050, Fargo, ND  58108-6050. Please identify your account by putting your account number on your check.

Credit Card Payment or E-Check

Please see Make a Payment.

Internal Collections

The Student Loan Service Center wants to work with you to get your loan paid. If you encounter difficulties, please contact our office immediately to try to resolve the problem.

Rehabilitation

Federal Regulations allow a Federal Perkins Loan borrower to rehabilitate a defaulted loan. You, the borrower must request this. To rehabilitate, 9 consecutive, on time monthly payments must be made (amount to be determined by the Service Center). Once the loan is rehabilitated the following will take place: The loan will return to regular status, restoring rights and benefits of the promissory note,  Credit Bureaus will be instructed to remove the default from credit history.  You may rehabilitate a loan ONE TIME ONLY. For Information please call the Service Center at 800-698-7397 or email us at ndus.slsc@ndus.edu.

Collection Agencies

If you fail to pay your loan or contact us, Federal regulations require that your loan be placed with a commercial collection agency when it becomes 120 days past due. Our office cannot set up a repayment arrangement once your account is with a collection agency.
Note: If your account is with a collection agency, but you believe you are eligible for a deferment, or cancellation, you should contact the Student Loan Service Center.

Consequences of a Past Due Loan

• Negative Credit Rating 
• A hold being placed on your student record 
• Ineligible for further Financial Aid 
• Your account may be turned over to a collection agency and you will be responsible to pay all collection costs and legal fees.