Spartan Central

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UNC Greensboro serves as the lender for students who have accepted Federal Perkins Loans or Institutional Student Loans. Students will work directly with UNCG’s Federal Perkins and Institutional Student Loan Department throughout the repayment process. 

Taking out a loan creates a binding legal obligation for repayment. Students should make sure they fully understand their rights and responsibilities related to all loans. 

Note: This page is in reference to Federal Perkins and Institutional loans. Questions about Federal Stafford Loans should be directed to Financial Aid (

Who to contact about loans

These loans are different from Federal loans and private loans because UNCG is the lender. UNCG works with ECSI as the loan servicer. This means that students with one of these loans will need to communicate directly with UNCG and/or ECSI if they have questions.

ECSI Contact Info
Live assistance Monday – Friday, 7:30 a.m. to 9:00 p.m. EST
24 Hour access to automated services

UNCG Federal Perkins and Institutional Student Loan Department Contact Info

P.O. Box 26171, Greensboro, NC 27402
Staff Liaison: Heather Wolford (

After graduation or enrollment change

Students must complete a Loan Exit Interview, available on the ECSI website, when they graduate, drop below half time status, or otherwise leave the university. Students who do not complete the exit interview will receive a hold which will prevent them from getting transcripts in the future. 

Those withdrawing, transferring, or dropping to below half time status must also notify ECSI directly in order for their account to stay current.

Updating ECSI

Students who experience certain changes to their status or contact information during or after their time at UNCG must update ECSI as soon as possible. Certain status updates may change repayment terms so it is important to keep the lender informed. 

Please report any of the following changes immediately to ECSI:

  • Name, address, telephone number, or e-mail address changes
  • Enrollment drops below half time status
  • Withdrawal from school
  • Transfer to another school
  • New eligibility for cancellation benefits
  • Enlistment in the military
  • New documented disability

Repayment details

Students must begin repaying their loans nine months after leaving UNCG, whether it is by withdrawal or graduation. As payments become due, interest accrues on the account at an Annual Percentage Rate of 5%. Payments are based on a repayment term of 10 years and the balance owed, with  a minimum monthly payment of $40.

Why it’s important to pay on time

Loans are one of the first opportunities students have to establish credit. According to Federal Law, UNCG is required to report all student loans to a national credit bureau. Loans are reported when opened and each month for the life of the loan until it is paid in full. Every on time payment improves credit score, while every late or missed payment damages credit score. Bad credit scores will affect the student’s ability to borrow for a car, home, or additional credit needs in the future. 

What happens when a payment is past due

Before missing a payment, please contact our office! UNCG wants to help students protect their credit. There are options available that can assist students who are experiencing financial difficulties. 

There are many short and long term penalties for missed and late payments. Students who fail to make their payments will:

  • Have to pay a $6.00 late fee.
  • Get a student records hold that prevents transcripts from being released.
  • Lose eligibility for future Financial Aid, deferments, and cancellation benefits.
  • Receive a decreased credit rating which could: 
    • Prevent future car or home purchases.
    • Make it more difficult to find employment. 
  • Be referred to the following agencies:
    • NC Attorney General’s Office: Contracted collection agency may assess an additional fee of up to 20% plus the debt already owed.
    • NC Department of Revenue: Can place a claim on any State Tax refund the student is owed in the future. 
    • US Department of Education: Has authority to garnish wages, withhold federal tax refunds or stimulus payments, and place liens on the student’s property and/or bank accounts. 

Even if delinquent loan information is removed from a student’s credit, the debt MUST be repaid.

Requesting loan payment deferment or cancellation

Students that are having trouble making payments should contact UNCG for help at 877.877.1983 or 336.334.4010 so that we can help work through their financial difficulties. We work together with students to find the best solution. 

Deferment options

Students’ Federal Perkins or Institutional Loans may be deferred under certain circumstances. A deferment grants borrowers a set period of time where they are not required to repay the principal of the loan. There are three main types of deferment: 

  • Student Deferment – Requires borrower to be enrolled at least half time as a student at an eligible accredited institution in the U.S., or at a comparable institution outside the U.S. (Deferment is available only for the current term when the student is enrolled, on a term-by-term basis.) 
  • Economic Hardship Deferment – Borrowers who receive public assistance such as Families with Dependent Children, Food Stamps, or Supplemental Security Income may be eligible for this type of deferment.
  • Unemployment Deferment – Borrowers who are working less than 30 hours per week or who are unemployed may be eligible for this type of deferment.

Student borrowers who think they may meet the requirements can apply for deferment directly through ECSI. Download the appropriate form and send it, along with supporting documentation, to: ECSI PO Box 1278 Wexford, PA 15090. 

ECSI will send an approval letter, denial notice, or request for additional documentation promptly. The following forms may be downloaded for your convenience.

Cancellation Benefits

The Federal Perkins Loan program provides borrowers with an opportunity to cancel all or part of their loan for certain types of employment or service.

To apply for cancellation benefits, download the appropriate form and mail, along with documentation, to ECSI PO Box 1278 Wexford, PA 15090. You will receive an approval, denial, or request for additional documentation promptly.

Loan Consolidation

Federal Loan Consolidation may be an option for students with multiple loans through different lenders. Students can see all the loans they currently have via the National Student Loan Data System.

Through loan consolidation, Direct Loans (operated by The U.S. Department of Education) buys the student’s eligible student loans and combines them into one loan. Direct Loans offers multiple repayment and deferment options that can benefit students by providing lower monthly payments and a longer repayment term. 

The Federal Loan Consolidation process can take up to 120 days to complete. Students can learn more and apply for consolidation through the Direct Loans website.