Check out our payment options webpage for details and instructions.
Not sure which way works best for you? Give us a call first at 734-764-9281, or send us an email at [email protected]!

Student Loan Collections does not accept credit card payments directly. However, you can pay using a credit card through our billing servicer, ECSI’s website. 

SLC doesn’t accept cash payments directly, but you can pay by cash at your campus’s Cashier’s Office (with the exception of the Dearborn campus - please see below):

• Ann Arbor: SFS Teller Services
• Flint: Cashiers/Student Accounts
• Dearborn: One-Stop
  At the University of Michigan Credit Union (UMCU) in the James C. Renick University Center on Dearborn campus.
  Don’t forget to mention your payment is for Student Loan Collections (SLC)!

When you make a payment to U-M for your loan or debt, make your check, money order, or cashier’s check payable to University of Michigan.
To make sure your payment is processed quickly, include:

• Your name
• Your UMID OR the last four digits of your Social Security Number

If you don’t have a statement from our billing servicer (ECSI), send your payment to:
Student Loan Collections
c/o Student Financial Services
515 E Jefferson
2226 Student Activities Building
Ann Arbor, MI 48109-1316

Please make sure you include the abbreviation of "SLC" on your form of payment as well. This helps us match payments to your account and avoid any delays!

Yes - you can! Our billing servicer, ECSI, makes it easy to pay and schedule payments online, including recurring payments Just log in to home.ecsi.net with your Heartland Key and the school code S5.
Tip: Set a reminder for payments so you never miss one!

Definitely! Call us at (734) 764-9281 and ask for a Collections Counselor. Or, you can email us at [email protected] and we will have your Collection Counselor reach out to you.
We’ll work with you to find a plan you can manage.

Yes. If you want to pay future installments ahead, check the correct box on your statement stub, or write a letter saying your payment is for future installments.
If we get extra payments with no instructions, we'll apply them to your loan as federal rules require.
Tip: If you want to pay down your principal faster, include this note with your payment.

You absolutely can! There’s no penalty for paying your loan early.
Payments go first to any collection costs, late fees, or interest owed, then to your loan principal.
If you’re not sure what’s left after a big payment, reach out for an updated balance.

You can check your account any time online at home.ecsi.net with your Heartland Key (see your billing statement) and school code S5.
If you run into trouble logging in, contact us - we’ll help you out.

Your Heartland Key (called "Account Number") is on your ECSI monthly billing statement. Can’t find it? Just email [email protected] and include your UMID.
Don’t hesitate - we’re happy to look this up for you!

No, these systems do not update your SLC loan/debt records. For needed changes, call Student Loan Collections or use ECSI’s website.
Tip: Updating info in both places keeps everything accurate.

If you owe money on tuition, housing, health insurance, childcare tuition, or other campus fees, and your account is overdue, SLC steps in to help you resolve it.
Here’s what to expect:

• You will get a letter from SLC letting you know your debt has been transferred
• Contact us right away to work on a payment arrangement
• ECSI will send monthly billing statements regardless of any payment arrangement in place
• A $6 late fee is added each month for each category of debt (e.g., housing + tuition = $12/month) until paid

Unresolved debts are eventually sent to a collection agency where agency fees apply and are reported to credit bureaus
So - let us help early before things escalate!

ECSI is U-M’s official billing servicer - they send monthly statements for student loans and past due student account debts. If you get mail from ECSI, it’s for your U-M loan/debt account.

• The Office of Financial Aid handles applications and disbursing your loans onto your student account.
• Student Loan Collections (SLC) manages repayment, including forbearance and deferment options, collections, and billing after your loan is disbursed.

For questions about your financial aid (applying, eligibility, changing aid, disbursement), contact:

• Office of Financial Aid: (734) 763-6600
• Website: www.finaid.umich.edu
• Email: [email protected]

If you’ve borrowed from Perkins, Nursing, Health Profession, or other federal/institutional loan programs, you’re required to complete an exit interview when you graduate, leave U-M, or drop below half-time status. This process is completed online via our billing servicer, ECSI, and you’ll receive an email from ECSI with a link to the exit interview once your separation is processed. An Exit Hold is placed on your account if this requirement is not fulfilled.

Tip: Do this promptly to avoid delays in accessing transcripts or registering for classes!

For questions or assistance, contact Student Loan Collections:

• Phone: (800) 456-0706 or (734) 764-9281
• Email: [email protected]
  We respond by the next business day - no need to worry!

Yes. Starting when your loan is disbursed, U-M and our servicer (ECSI) report federal and institutional student loans to the credit bureaus (it shows up as a “tradeline”).
Missing payments or not submitting deferment forms on time may affect your credit score. Questions about credit reporting? Reach out to our office!

Yes - but only if your overdue debt is sent to an outside collection agency.
Staying in touch with us if you hit a snag can help avoid this!

Almost never. It’s only possible if you can prove “undue hardship” in court. If you’re thinking about this option, chat with a bankruptcy attorney first.

You can download these forms from U-M’s Student Loan Collections “How to Defer or Cancel” webpage.
If you aren’t sure which form you need, reach out to your Student Loan Collections Counselor for help. Not sure who your Counselor is? Give us a call at 734-764-9281, or send us an email at [email protected]. 

No. Keep making payments until you get an official approval/confirmation - this helps you avoid late fees or negative credit reporting.
If you’re worried about timing, call us for updates: 734-764-9281!

You’ll receive a confirmation email once we process your request. Watch your inbox for either your approval or any request for additional information.

Yes, but each loan may require a different form and documentation, depending on the loan type. If you are unsure, please contact our office - we are here to help!