Loan Billing and Payment

Loan Billing and Payment

The billing and payment processing for your student loan is handled by Heartland ECSI. You will receive your monthly billing statements in a plain white envelope from them with a return address:
PO Box 1238
Wexford, PA 15090

Payments are due on the 10th of each month. Payment options include:

1. Check

   Send your check and payment stub to:
   South Dakota State University
   Student Loan Collections
   Morrill Hall 140, Box 2201
   Brookings, SD 57007

2. Automatic Payment through Heartland ECSI.

   If you want to avoid writing a monthly check, you can sign up for Electronic Funds Transfer on a monthly basis or simply for a one-time payment.

   NOTE: If you have signed up for auto direct draft on your loan and your loan goes into a deferment or forbearance, you will need to deactivate your auto direct draft at least 6 working days in advance. The deactivation is NOT automatic if you loan status is updated. If you forget to deactivate your auto direct draft, we cannot refund any funds transferred in error.

3. Credit Card

   We can take credit card payments over the phone at 605-688-6183. You may also fill out the credit card authorization form found on our forms page and we will run your credit card every month, on the 10th of the month.

4. Consolidation

   You can consolidate your loan with your Stafford loans through the federal government. You can sign in electronically or get a paper application.

If you fail to contact us/pay your loan, federal regulations require that your loan be placed with a collection agency when it becomes 120 days past due.