Washington State University administers Federal Perkins Loans through Educational Computer Systems, Inc. (ECSI), the University’s authorized loan servicer. Borrowers may make payments and manage their Perkins Loan accounts securely through the ECSI website.
All Perkins Loan terms and borrower benefits described below are governed by federal regulations and the conditions of the borrower’s promissory note; additional disclosures apply.
Online Payment Options
Payments may be made through ECSI using the following options:
- Electronic check (e‑check)
- Credit card (Mastercard, Discover, or American Express)
- Automatic recurring payments
Borrowers may also view account balances, review payment history, and update payment preferences online.
- First‑time users must enter:
- School code: 8A
- Your Social Security number (SSN) or WSU ID
- The PIN provided in a prior email from ECSI
This PIN will serve as your temporary password until it is changed.
- Returning users must enter:
- School code: 8A
- Your SSN or WSU ID
- Your established PIN or password
Check payments should be made payable to Washington State University and mailed to:
Washington State University
c/o Educational Computer Systems, Inc.
PO Box 1287
Moon Township, PA 15108
Please include your WSU ID number on all checks and correspondence to ensure accurate posting.
Perkins Loan repayment begins according to the terms outlined in the borrower’s promissory note, generally after a grace period once enrollment drops below half‑time or the borrower separates from the University.
Monthly payment amounts and due dates are established by ECSI. Borrowers are responsible for making scheduled payments in full and on time.
Under certain federally approved conditions, borrowers may qualify for a temporary deferment of Perkins Loan payments. During approved deferment periods, payments are postponed and interest does not accrue, as permitted by regulation.
Deferments are not automatic. Borrowers must submit a request and any required documentation for review and approval.
Under specific federal guidelines, borrowers may qualify for partial or full cancellation of their Perkins Loan. Cancellation results in permanent forgiveness of the eligible portion of the loan principal and accrued interest.
Eligibility is based on qualifying employment or service and requires annual application with supporting documentation. Approval is subject to federal regulation and review.
Failure to make scheduled payments may result in the loan becoming delinquent and ultimately placed in default, as defined by federal regulation and the borrower’s promissory note.
Default may result in acceleration of the loan balance, loss of eligibility for benefits, collection costs, and negative credit reporting. Borrowers having difficulty making payments are encouraged to contact ECSI or Student Financial Services promptly to discuss available options.
Federal Perkins Loans are administered in accordance with applicable federal regulations, Washington State University policies, and the Family Educational Rights and Privacy Act (FERPA). Loan servicing, repayment, deferment, forbearance, cancellation, and default provisions are governed by the terms of the borrower’s promissory note and federal program requirements.
Benefits such as deferment, forbearance, and cancellation are not automatic and require timely application, supporting documentation, and approval. Borrowers are responsible for making payments as scheduled and for maintaining accurate contact information with ECSI.