Entrance and Exit Counseling
Student borrowers with Federal loans are required to complete mandatory on-line entrance and exit counseling. The purpose of the counseling is to provide the student with information regarding their rights and responsibilities; the commitment that comes with the acceptance of a student loan; and to help the student understand how to manage their student loans. It is important for all borrowers to realize that student loans are not grants or scholarships; they require repayment. Please note that there are separate entrance and exit counseling requirements for Federal Direct loans (see http://financialaid.uiowa.edu/types/loans/counseling) and Perkins, Health Professions, and Nursing loans (see below).
Online entrance counseling is required for all first time Perkins, Health Professions, and Nursing borrowers. To complete entrance counseling for your Perkins, Federal Health Professions, or Nursing loans, log in to ECSI's website at https://heartland.ecsi.net and select the Documents tab. For assistance, call ECSI at 888-549-3274. Entrance counseling takes approximately 20-30 minutes to complete.
The Office of Student Financial Aid receives results of entrance counseling daily. Federal Perkins, Health Professions, or Nursing loans will not disburse until entrance counseling has been completed.
All student borrowers who leave the University of Iowa either by graduating, withdrawing, or failing to return for a subsequent semester are required to receive exit counseling on the web. To complete exit counseling for Perkins, Federal Health Professions, and Nursing loans, log in to ECSI’s web site at https://heartland.ecsi.net and select the Documents tab. For assistance, call ECSI at 888-549-3274 Exit counseling takes approximately 30-40 minutes to complete. If exit counseling is not completed online, a paper copy will be mailed to the borrower.
The Office of Student Financial Aid receives results of exit counseling daily.
Every January, Heartland Campus Solutions ECSI mails a 1098-E to each borrower for whom $600 in interest was received on a loan for the prior year. This information is also available on their website at: https://heartland.ecsi.net after January 15th. Select Tax Documents and Information.
Servicemembers Civil Relief Act (SCRA)
If you have loans that you obtained before going on active duty military service, you may be eligible to limit the interest rate on your loans to 6% during the period of your active duty military service under the Servicemembers Civil Relief Act (SCRA).
This benefit applies only to those loans with an interest rate greater than 6%. If you are unsure of your interest rate, you can refer to your billing statement, promissory note or current account balance online at https://heartland.ecsi.net under the Balance and Billing section.
To request a limited interest rate, submit a written request, along with a copy of your military orders, to ECSI at: