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Frequently asked questions - Page seven

Payment Information


Where can I send my payments?
Can I make payments over the telephone?
Can I use my debit or credit card to make payments on the website?
How long does it take for a telephone or online payment to draft from my account?
Is there a penalty for paying my loan(s) off early?
How can I obtain a payoff amount on my loan?
How does interest accrue on my account?

Where can I send my payments?
If you do not have your billing statement, please mail your payment to:

Campus Partners
PO Box 2901
Winston-Salem, NC 27102-2901
Be sure to write your account number on your check.

Can I make payments over the telephone?
We accept payments over the phone. There is a $10.99 fee for this service. The fee will be waived if you sign up for AutoDraft (Automatic Direct Draft). Please see FAQs about AutoDraft for more information.

Can I make a payment on mycampusloan.com?
Yes. You can make online payments using mycampusloan.com. Please keep in mind that one-time payments using a checking or savings account are subject to a fee of $0.99 for each one-time payment and payments made with a debit or credit card are processed through a billing service and are subject to a service fee.

To make an online payment, click on Pay My Loan. You can find this link on the home page or in the navigation bar on the left of the screen. You will be prompted to supply your banking information and payment amount. After confirming your payment information, click the Submit button.

If you do not wish to incur a service fee to make your payment, we offer alternative methods that are not subject to this fee, They include:

  • Sign up for AutoDraft. This payment option automatically drafts your monthly or quarterly student loan payment from your checking or savings account.
  • Mail check or money order. Payments can be mailed to: Heartland ECSI, P.O. Box 2901, Winston-Salem, NC 27102-2901.
  • Use of a third-party bill pay service such as your bank or credit union. Please note that your bank, credit union, or other institution type may charge a fee for their bill pay service.

Can I use my debit or credit card to make payments on the website?
Yes, Campus Partners accepts debit or credit card payments on our website. Please note that when making a payment by debit or credit card, you will be redirected to our payment gateway hosted by Heartland ECSI dba Educational Computer Systems, Inc. (ECSI).

How long does it take for a telephone or online payment to draft from my account?
Telephone or online payments will post to your loan(s) on the following business day, but will be dated as of your telephone or online payment date. The payment will not be reflected on mycampusloan.com immediately.

Online payments requested on weekends or holidays will be processed during the next business day, and will be posted the day after processing. The payment date will reflect the date of your online payment request.

Is there a penalty for paying my loan(s) off early?
There is no penalty for paying off your NDSL Perkins, Health Professional, or Nursing Student Loan(s) early. If you have an institutional loans, please refer to your promissory note, check with your lending institution, or contact Campus Partners to find out if there is a penalty for paying your loan off early.

How can I obtain a payoff amount on my loan?
The payoff amount printed on your billing statement is the payoff amount as of the date the statement was printed and is for informational use only. Because interest accrues on your account daily, you cannot use the payoff amount printed on your billing statement to pay off your loan(s). In order to obtain an accurate payoff amount, please use one of the following methods:

  • Call our Interactive Voice Response System (IVR) at (800) 334-8609 and enter your 16-digit account number. Then, follow the instructions to obtain your payoff amount.
  • Contact our office at (800) 334-8609 to speak with one of our Borrower Services Representatives and obtain a payoff amount.

How does interest accrue on my account?
Interest accrues daily using the Daily Simple Interest accrual formula.

One day of interest is calculated as follows:

Principal Balance X Interest Rate
365 (number of days in year)

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