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General
Repayment Information
For Federal Perkins and Institutional Loans
IMPORTANT:
The links/repayment information provided on this
web page are sometimes specific to the Perkins loan program. However, please be advised that all forms, and most of the
repayment information provided also pertains to the institutional
loan programs lent by Cal Poly.
To
access repayment forms for the loan types referenced at the top
of this page, click
here.
Provided
below are answers to the most commonly asked repayment questions.
If your particular question/concern is not addressed, please feel
free to contact the student loan billing service for more detailed
information.
Q: Who is the loan lender?
A: Cal Poly is your
lender. Although you are asked to send your payments directly to
the billing service, you should make your checks out to "Cal
Poly".
Q: Who/what is the student loan billing
service?
A: A student loan billing service is an agency
that provides borrowers with quick and accurate information pertaining
to their student loan account. The billing service sends statements
(email or mail - at the borrower's request);answers borrower questions;
processes payments; and provides/processes all the documents and
information associated with Cal Poly loan repayment. The billing
service should be the borrower's first point of contact.
Billing service: ECSI
You may email ECSI Customer Service staff with specific account
questions at: cservice@ecsi.net.
Q: When I make or defer my Stafford
loan payments will my Stafford loan lender apply the payment/deferment
to the Cal Poly loan?
A: No. Your Stafford loan is
a completely separate loan obligation. Any payment or deferment
information you supply to your Stafford lender will not be shared
with Cal Poly, or its billing service, ECSI.
Q: What happens if my payments are late?
A: All repayment activity is reported to the three
major credit bureaus. Accurately reported information will not be
removed for up to ten years. No exceptions!
Credit
reports
Rebuilding
credit
NOTE:
if you have difficulty accessing the EDFUND web site, please
call them directly at 888.294.0154.
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