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Loan Repayment

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One-on-One Loan Counseling

All graduating students and alumni/alumnae are welcome and encouraged to set up individual one-on-one loan counseling sessions if at any point you have questions, need guidance, or are feeling uncertainty surrounding your student loan debt.

Our aim is to provide direct attention to your individual loan portfolio in order to help you have a fuller understanding of your options.

You can make an appointment with the student loan office by emailing or by calling 800-294-0294 and leaving a voicemail indicating that you would like individual loan counseling.

Department of Education Update

The Department of Education (ED) announced on Wednesday that it will begin reconsidering denied applications for the Public Service Loan Forgiveness Program (PSLF) on a first-come, first-served basis—an initiative made possible with funding from the fiscal year 2018 omnibus spending bill.

The spending bill, released in March, included an increase of $3.9 billion for ED to support funding for several student aid programs. Of those funds, $350 million was set aside to expand the PSLF program to borrowers who made some or all of their 120 monthly payments under extended or graduated repayment plans, instead of an approved plan.

Visit our Public Service Loan Forgiveness web page for more details.

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.

Easy Path Mobile App by Heartland ECSI

Are you a student loan borrower? Boston College's Student Loan servicer (Heartland ECSI) has a new app for easy payments! Simplify your life and get the Easy Path mobile app on your phone, now available for iPhones/iOS and Android.

1098E Tax Forms

ECSI will issue 1098E forms to borrowers in January who have paid $600 or more in interest during 2017. Notification of 2017 interest paid is also available on your January 11 and February 11 billing statements from HeartlandECSI.

Exit Interviews

Student Loan Exit Interviews

All students who are planning to graduate in May 2018 and have borrowed Perkins, Nursing, Law School, Graduate PLUS, or Direct Stafford loans while attending Boston College must complete both steps of the Exit Interview prior to leaving the University. Step 1 of the Exit Interview process will be to complete an online exit interview on the Heartland ECSI website. Notifications will be e-mailed in March and will include instructions to login to Heartland ECSI. Step 2 of the Exit Interview process will be to attend one of the on campus/in person exit interview sessions offered by the University. You will receive an email informing you of the dates these sessions are offered.

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:
Former Students:


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.