Frequently Asked Questions



Can I pay my bill online?

ECSI provides payment options such as Electronic Funds Transfer (EFT/ACH), payment date choice (only if using EFT), and credit card payments for all borrowers (additional fee applies to all credit card payments). You can contact ECSI or log onto their website, , and initiate this service after you have made at least one payment by check.


I am currently enrolled. Why am I being billed?

Students enrolled at least half-time at an accredited college or university are eligible to have their loan principal and interest deferred. You must send enrollment verification to our office at the beginning of each semester you are eligible. For your convenience the deferment form is now available on the ECSI website. However, your school's registrar may use their own enrollment verification form. Documents must be mailed (not faxed) to ESCI .


I have misplaced my statement. How can I make a payment?

You can  make a payment online or you can mail a check directly to ESCI . Please write your student number on the check and mail to:



181 Mountour Run Road

Coraoplois, PA 15108


I am unable to repay my loan at this time. What should I do?

If you are unable to meet your loan obligation, please contact ESCI immediately. Your loan status is reported monthly to the national credit bureaus. There are several federal and university programs designed to assist borrowers in time of financial hardship. However, you must contact ECSI before your loan is considered in default to participate. As a reminder, most student loans are not dischargeable in bankruptcy.


I am a teacher, do I qualify for cancellation?

Federal programs exist that allow partial or full cancellation of the principal and interest. Please consult the Cancellation Eligibility Form on the ECSI website:  

Can I consolidate my loan?

Only Federally funded loans are eligible for consolidation. Perkins, Stafford, PLUS, and Direct loans may be consolidated. University loans, such as the Gold, McBride, and Armstrong Loans are privately funded, making them ineligible for consolidation.


What are the advantages of consolidation?

Consolidation allows you to combine your eligible loans into a single loan payment. The consolidation company generally allows to extend the time to repay from 10 years to 30 years, making the monthly payments smaller.


What are the disadvantages of consolidation?

Because consolidating lenders extended time to repay your loan, the amount of interest paid over the life of the loan is greater. Also, once loans are consolidated, they are ineligible for cancellation. There are several provisions for canceling a portion or entire loan based on federal regulations.


Can you recommend a consolidation company?

We cannot recommend one company over another, however below is a list of sites of some common lenders:



How can I determine how much interest I paid on my student loans last year?

Students paying on loans administered by Missouri S&T who pay $600.00 or more in interest will receive a . Please contact ECSI prior to January 1st as they may need to update your address. You can also view the amount of interest you paid on your February ebill on the ECSI website.