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Loan Repayment

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IMPORTANT: Federal Student Loan Consolidation is FREE!
Recently there have been advertisements and infomercials on the radio and television regarding defaulted student loan debt relief . Private companies are stating they can help stop harassing collection calls as well as restore credit for defaulted student loan debt. These companies are promoting a service for a fee of up to $500. The federal government will do all of this for free. You can consolidate your loans by visiting DO NOT be fooled! DO NOT pay anyone to consolidate your loans.

Questions about default repair and federal loan consolidation may be answered by our own BC Loan Repayment staff. Call us 800-294-0294 if you have concerns or need assistance.

FAFSA Pin Update

On May 10, 2015, FSA will implement the new login process for student- and borrower-based websites, including:

  • FAFSA on the Web
  • NSLDS Student Access
  • TEACH Grant website

The FSA ID will replace the Federal Student Aid PIN and will be made up of a user-selected username and password. Those who already have a PIN will have the option to link that PIN to their new FSA ID, enabling them to immediately use their FSA ID with the websites listed above.

1098E Tax Forms

ECSI will issue 1098E forms to borrowers in January who have paid $600 or more in interest during 2015. Notification of 2015 interest paid is also available on your January 11 and February 11 billing statements from ECSI.

Exit Interviews

Student Loan Exit Interviews

All students who are planning to graduate in August 2016 and have borrowed Perkins, Nursing, Law School, Sharp, Bank of America, Graduate PLUS, or Stafford loans while attending Boston College must complete both steps of the Exit Interview prior to leaving the University. Notifications will be e-mailed in August and will include instructions to login to Heartland ECSI.

Massachusetts No-Interest Loan Exit Counseling

Borrowers of Massachusetts No-Interest Loans are required to complete an Exit Interview prior to Commencement. This may now be completed online. You will receive a letter in March from the Massachusetts Department of Higher Education, Office of Student Financial Assistance, outlining the steps for completion of the online Exit Interview. You will be asked to login to the website of Educational Computer Systems, Inc. (ECSI), Mass. DOE's loan servicing company, to complete the Exit Interview. You will be required to provide family information and personal references. Please be sure to have this information ready when you begin the online Exit Interview.

If you have any questions about your Massachusetts No-Interest Loan debt or the Exit Interview process, please contact the Office of Student Services at 800-294-0294 and ask for a member of the Loan staff. Appointments with Loan staff regarding debt counseling may be scheduled by calling the Office of Student Services.

Private Education Loan Self-Certification Form Information

Effective February 14, 2010, lenders of private education loans are required to collect a completed and signed Self-Certification Form prior to disbursing the loan proceeds. This applies to any private education loans that are not at least partially disbursed prior to the effective date. Private education loans include all Alternative Loans, as well as certain loans issued by Boston College directly. Individual lenders are implementing their own procedures to comply with this new regulation, so you should contact your lender directly if you have specific questions about the process for submitting this form.

Regulation Z (Truth in Lending) Information for Students

On July 30, 2009, the Federal Reserve approved final amendments to Regulation Z (Truth in Lending) that revise the disclosure requirements for private education loans. The amendments implement provisions of the Higher Education Opportunity Act (HEOA) enacted in August 2008. Under the amendments, creditors that extend private education loans must provide disclosures about loan terms and features on or with the loan application, and must also disclose information about Federal student loan programs that may offer less-costly alternatives. Additional disclosures must be provided when the loan is approved and when the loan is consummated. The rules became effective on September 14, 2009, and lenders were required to be in compliance on February 14, 2010.

Features Available Through ECSI

  • Sign promissory notes electronically
  • Fill out online Exit Interview
  • View and update your account through web access
  • Make an e-payment
  • Sign up for electronic draft (ACH) payments

You may now access your loan account through one of the following links:

Enrolled Students and Boston College Alumni: BC Agora Portal
Former Students: Educational Computer Systems, Inc. (ECSI)


If you would like a paper copy of this webpage, please contact the Office of Student Services' Communications team at or the Office of Student Services.