Soka Loan Repayment
The billing for Soka-based loans is handled by Heartland Campus Solutions ECSI (Heartland ECSI). Heartland ECSI is a billing service for the university, not a collection agency. You will begin receiving your bills from Heartland ECSI prior to your first payment.
COVID-19 Update regarding Soka Loan Repayment
To provide relief to student loan borrowers during the COVID-19 national emergency, SUA Soka loan borrowers in regular standing are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payment. This suspension of payments will last until September 30, 2021, but you can still make payments if you choose. For details, please refer to the COVID-19 Loan Forbearance Information page.
How to Make Payments by Check
- Write your student ID on your check or money order.
- Make checks payable to Soka University of America and mail to Heartland ECSI (do not send cash).
- Please do not send your payments directly to Soka University of America.
Soka University of America
C/O Heartland ECSI
100 Global View Drive
Warrendale, PA 15086
Phone: (888) 549-3274
Office Hours: Monday - Friday, 7:30 a.m. - 8:00 p.m. EST
Payments that are sent directly to SUA will need to be forwarded to Heartland ECSI for processing. The Heartland ECSI processing date will determine any applicable penalties or late charges related to late payments.
The Office of Student Accounts will place a hold on any delinquent student loan accounts. A hold will prevent the student from registering and receiving all services from SUA including release of transcript, grades, and alumni service. Account balance and hold information is available through the loan servicer for Soka Loans and through the lender for federal loans.
Delinquent loans will include accounts past due and/or accounts placed with a collection agency. Delinquent loans will be reported to credit bureaus, and borrowers will be responsible for any collection costs including but not limited to agency fees, attorney’s fees, court costs, and other fees relating to collection of the loan.
A borrower who is enrolled at least half-time in an eligible institution may defer their student loan repayment. During this in-school deferment, interest will not accrue. To qualify for the deferment, the student must be enrolled as a regular student in an eligible institution of higher education or a comparable institution outside of the United States approved by the Department of Education for deferment purposes.
To be considered for this deferment, SUA Loan Deferment Form must be completed and submitted to Heartland ESCI with enrollment verification.
A borrower who does not qualify for in-school deferment may file for forbearance or economic hardship deferment. SUA Loan Forbearance & Economic Hardship Request Form must be completed with appropriate and complete documentation. This form should be submitted to the Office of Student Accounts at SUA for review and approval. All incomplete application or missing documents will be returned. Please note that deferment will only take effect from the date of approval.
For Soka parent loans, please contact the Office of Student Accounts.