Student Loan Payments

Student Loan Payments

Student Loan Payment Options: 

Payments are due on the first of each month. Late fees will be assessed where applicable after a ten day grace period.  To release a financial hold immediately, payments must be paid with certified funds: cashier’s check, money order, and credit or debit card.  All payments must be made in United States dollars. 

Online Payments

Make online payments at Heartland Campus Solutions/ECSI is the University’s billing service. Borrowers will need the University of Michigan school code S5, and their key that appears on the borrowers billing statement. A lost key may be reset through the Heartland ECSI website. Transaction fees may apply.  

For assistance contact Heartland ECSI at or 1-888-549-3274. Payments are post on accounts within 1-2 business days.

Note: Do not make electronic payments on the Wolverine Access website

Checks and Money Orders

Mail a check or money order to either address listed below. Make payable to The University of Michigan and include the borrower’s name and UMID on the payment.

  • ECSI
    PO Box 1287
    Coraopolis, PA 15008
  • University of Michigan
    Student Loan Collections
    3003 South State Street, 6000 Wolverine Tower
    Ann Arbor, MI 48109-1287

Credit and Debit Cards

Make payment with a credit or debit card by calling the University of Michigan Student Loan Collections Office at (800) 456-0706 or (734) 764-9281. We accept VISA, MasterCard, American Express, and Discover.

Note: We do not accept check-by-phone (payments deducted from saving or checking accounts).

OFFICE HOURS (Eastern Standard Time):
Monday, Tuesday, Wednesday and Friday, 8:00 am – 4:30 pm
Please Note: Phone lines are closed on Thursdays. Email may be used as an alternative method of communication. 

International Payments

International payers visit Flywire at For assistance contact customer support at 1-800-346-8252 if calling from USA or Canada, International calls at 1-617-674-3254, or Payments are posted on accounts within 2-6 business days.


Cash payments can only be made at the central campus Teller Services/Cashiers Office located in the Student Activities Building. Borrowers must inform the teller that the payment is for the Student Loan Collections Office. 

  • Student Financial Services
    515 East Jefferson Street
    2226 Student Activities Building
    Ann Arbor, MI 48109-1316

OFFICE HOURS (Eastern Standard Time): 
Monday, Tuesday, Wednesday and Friday, 8:00 am – 4:30 pm
Thursday, 10:00 am – 4:30 pm

Phone: (734) 764-7447 or (877) 840-4738