Enrollment | Student Loans & Accounts
You are leaving PUC, so what happens to your student loans and
tuition account? We are here to help. We are gathering information
and resources on this page that will assist you in transitioning
from PUC into your career or further education. We know this transition
can sometimes be unsettling, we are here to help you in any way
we can so please do not hesitate to call us. You are not alone.
What happens to my Loans and or Tuition account
balance when I leave?
What is ECSI?
My loans and tuition account
How do I make payments?
I've fallen behind in payments or have
hardships
What if I leave PUC and attend another
school?
What happens to my Loans and or Tuition account
balance when I leave?
When you leave PUC your loans and any unpaid Tuition balance is
transferred from the Student Finance Department to PUC’s
Student Loans & Accounts for billing and tracking of repayment.
To help us with our billing we have contracted with a company called
ECSI. ECSI will mail statements each month with the amount currently
due. Be sure to include your payment stub when mailing your payment
to ECSI.
NOTE: Make sure you inform either the Student Loans
Billing Team or ESCI about any address or telephone changes. Please
be advised that it is your responsibility to update us.
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What is ECSI?
Educational Computer Systems, Inc. ECSI is NOT a collection agency. ECSI
is a company that PUC contracts with to help us with our billing.
You can view your account activity by going online to: www.ecsi.net follow
the instructions.
(School code is - C1)
View your current balance IF you have left or graduated from PUC.
If you need help with ECSI online please call them toll free at :
1.888.549.3274
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My loans and tuition account
Federal Stafford Loans – The Stafford loans are
federally insured low interest loans with a six month grace period
after you either drop below half-time status or leave school. Because
these loans are obtained from an outside source they are not tracked
or billed by PUC/ECSI. You will need to contact your Stafford
Loan lender for details and payment arrangements or to make arrangements
for student deferment status should you begin attending a school
again. If you are unaware of whom your lender is you can
call the California Student Aid Commission at: 1-800-298-9490. They
can give you details and contact information.
Federal Perkins Loan – The Perkins Loan
is a Federally Insured revolving fund loan having a low interest
rate of 5 %, and a very liberal nine month grace period after you
leave. However a Perkins Loan may be cancelled, meaning forgiven,
over a five-year period of time if you meet these qualifications.
- Are you a nursing graduate working full-time as a nurse?
- Are you a teacher working full-time for a low-income school
listed in the Federal Register?
- Are you working full-time in Law Enforcement?
See Postponement/ Cancellation forms (pdf)
PUC Collegiate Loan – In addition to the
Federal loan money, PUC wanted more for our students so
the Collegiate Loan Fund was established matching the great low
interest rate and liberal grace period of nine months of the Federal
Perkins Loan. Many caring people have contributed to the Collegiate
Loan Fund in the hope that their dollars would allow students to
complete an excellent education with Pacific Union College and
in their tradition you as a former student are invited to show
your thanks and gratitude to our school and our God by also contributing
as you are able, to this noble cause. Should you be led to contribute
in this way please click the link below and in the OTHER field
type in Collegiate Loan Fund. Thank you!
> Give to PUC
Tuition Account – Remember the Financial
Checksheet that your financial counselor completed for you? This
was your financial plan for each school year. It listed your
costs, subtracted your financial aid and if the aid was not sufficient,
the checksheet listed a payment schedule for you to follow. It
is the expectation of PUC that at the end of each year you do not
owe any money on your account. And so when you graduate you
should have a zero balance on your Tuition account. There
are some circumstances in which you may find yourself with a Tuition
balance: one might be that you had excess meals charged, or if
you lost an ID card, library materials or room key, or you may
have earned one or more parking tickets. These charges may
be posted to your account after you leave, so be sure to check
back with us. More
serious amounts may be charged to your account should you leave
the year or quarter early. If you do this then any financial
aid received for that time period must by law be returned to the
lender. The
good thing is, that is the money you won’t have to pay back
to your lender. The bad thing is obviously without that money
to offset your school expenses; you will see a larger Tuition balance
on your account. The PUC expectation is still that you pay
this amount immediately upon leaving school as it directly impacts
the school’s operating budget. Therefore the interest
rate on this account has been set sufficiently high to provide
an incentive for you to pay it immediately even if you need to
transfer the Tuition balance to a lower interest rate vehicle.
One way to transfer your Tuition account balance is to apply for
an Alternative Loan (sometimes called Signature Loan) if you have
left PUC less than a year ago.
Some good loan sources are:
Private/Alternative Loans with ALL Student Loan
In addition to our Stafford Loan product, ALL Student Loan also
offers an ALLsaver ALLternative loan that is different from other
private loan alternatives. Here's what sets us apart:
- High approval rates. We are able to help more students and
their families get the money they need and our approval rates
are among the best in the industry.
- Instant loan decisions. If students apply online or over the
phone, we can give them a loan decision instantly. They should call us at 1-877-255-7307.
- No annual or aggregate loan limits. Students can borrow as
much as the total cost of education minus any financial aid.
- No payments while you're in school. Students are not required
to make any loan payments while they are in school and enrolled
at least half time.
- Lower monthly payments. Our 20-year repayment term offers
some of the lowest monthly payments available.
Wells Fargo: 1.800.658.3567
Sallie Mae: 1-888-695-3317
If you have been out of school for more than a year consider:
Terri Loans: 1.800.837.4326
Or consider transferring your Tuition balance to a credit card. The
benefit of this is your Tuition account at PUC would be paid, you
would have your diploma and or transcripts and you are free to
pursue your future interests.
Remember to always check on your account before and after you
leave PUC.
Remember to always make sure that we have your current address and phone.
NOTE: Transcripts and diplomas are held until
Tuition accounts are paid in full. Tuition
accounts are non-deferrable.
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How do I make payments?
The best way to make payments on your Perkins, Collegiate loans
and or Tuition account balance is to set up an ACH (automatic clearing
house) or automatic debit to your checking or savings account with
ECSI. You can do that easily by calling ECSI at 1.888.549.3274. When
you do this we will reduce your interest an entire percent on Tuition
Accounts and Collegiate Loans only.
ECSI will also accept credit cards
and e-checks by phone.
When making payments to ECSI be sure to include your
stub and send to:
ECSI
181 Montour Run Road
Coraopolis, PA 15108
1-888-549-3274
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I’ve fallen behind in payments or have
hardships
It is the philosophy of the Student Loans & Accounts team to
do whatever we can to keep our students OUT of collections but we
need you to work with us. If you experience financial difficulty
call us. If there is the slightest possibility of working something
out, we will.
If you are having financial difficulties click on the link below, complete the
form and fax or mail it to us. Call us to let us know of your situation
and we can put a hold on your account while we are waiting for your form.
Having economic Hardships? Economic
Hardship form (pdf)
Remember: ECSI is not a collection agency but
in the rare instance that a former student chooses not to pay us,
ECSI automatically computer-places that student in collections
at 180 days of delinquency. At that point the issue is completely
out of our hands and we can no longer help you.
Remember: when you choose a behavior, you choose the consequences of that
behavior.
Being in collections status is a serious matter and may prevent you from buying
a car, renting or buying a home, and can even prevent you from obtaining your
dream job. Avoid collections, stay informed, and stay in touch with our
office.
Student Loans & Accounts:
phone: 1.707.965.6539 : fax: 1.707.965.6762
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What If I leave PUC and attend another school?
If you attend another school at least half-time,
you can qualify to have student deferments placed on your Perkins
and Collegiate loans. To qualify you must ensure that the registrar
of the school you are attending or will attend, mails
a verification of enrollment directly to the Student Loans and Accounts
office, and upon receipt we will place your loans in student deferment
status. This status is good for one year at a time and must be renewed
each year. Student Deferment means that no payments will be due
during your time of deferment.
Student Loans & Accounts
Accounting Services
Pacific Union College
One Angwin Ave.
Angwin, CA 94508
NOTE: This only applies to Perkins and Collegiate
Loans. Tuition accounts are non-deferrable and should be paid upon
leaving PUC.
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