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Student Loan Service Center

Important Notice:         The Student Loan Service Center is adjusting work practices for its staff in response to the COVID-19 emergency.  The office will remain open during our usually scheduled hours, but with limited staff.  The remaining staff members will be working remotely from home. We will try to respond to emails and voice messages as promptly as possible, but please be patient if there are delays.  Please refer to our Contact Us page for email and phone contact information for ECSI and the Student Loan Service Center.

The NDUS Student Loan Service Center (SLSC)


The SLSC provides loan servicing for institutional loans issued by the eleven state colleges and universities in the North Dakota University System.  This includes monitoring, reporting and collecting on loans in accordance with state and federal laws and regulations. 

To gain a better understanding of the student financial aid loan process please review our Lending Process webpage.

Our office also uses a company called Heartland Educational Computer Systems, Inc., commonly referred to as ECSI, for servicing functions such as:

  • Statement processing
  • Payment processing
  • Correspondence
  • Responses to customer inquiries. 

Heartland ECSI also provides a borrower web portal at that can be used to review loan information, set up recurring ACH payments and make payments online

If you are a new user on the ECSI borrower portal, review your Truth in Lending Statement for your login information, including yor Heartland Key or contact Heartland ECSI for assistance.

 Borrower's Rights

  • To repay all or part of your loan(s) at any time without penalty.
  • To a grace period after graduation or discontinuing enrollment as outlined in the loan promissory note.
    • During the grace period payments are not required.
    • For Perkins and Nursing loans interest does not accrue.
    • Interest may accrue during the grace period on some other types of institutional loans, please refer to your promissory note.  
    • Repayment of the loan does not begin until the grace period has expired.
  • To request a copy of your promissory note(s) at any time. 
    • To make a request email the SLSC at
    • The SLSC services many types of loans, some have very different terms and obligations which are described in detail in the loan promissory note.
  • To Cancellation and Deferment benefits as outlined in the loan promissory note and pursuant to applicable federal and state laws and regulations.

Borrower's Responsibilities

  • Review your Promissory Note(s) to ensure you understand your financial rights and responsibilities.
  • Make on time payments
    • Payments are due the 1st of every month regardless of whether or not you receive a billing statement. 
    • Late fees are assessed on accounts if the payment is not received by the 10th of the month.
    • ECSI will mail or email, if you choose online billing, your first billing statement 15 days prior to your first payment due date.
    • Notify ECSI or the Student Loan Service Center if payment cannot be made by the due date.  
  • Notify ECSI or the Student Loan Service Center if there is any change of personal information such as, name, address, phone or email.
  • File appropriate forms, such as for deferment or cancellation, in a timely manner.
    • When requesting a deferment, forbearance, cancellation or demographic information change you are responsible for providing all required documentation requested by the SLSC or ECSI in a timely fashion.
  • Understand the consequences for Default - failing to remit payments on time.

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