Perkins & Institutional Loan Services

From this site, you will be able to learn more about Perkins and institutional loans. WPI has engaged the services of Heartland ECSI, (ECSI) as its loan servicer. On the ECSI website, you will be able to sign your promissory note, complete your exit interview, make payments, review your loan accounts, and download deferment and cancellation forms.

ECSI is your first point of contact for questions concerning the repayment of your Perkins and institutional loans. ECSI can be reached at 888-549-3274, or online at

ECSI Contact Information

Heartland ECSI 
100 Global View Drive 
Warrendale, PA 15086
Phone: +1-888-549-3274
Fax: +1-866-291-5384

Location: Boynton Hall
Office Location: 2nd Floor
Phone: 508-831-5203
Fax: 508-831-5064

Federal Perkins Loans

The Federal Perkins Loan was a campus-based Title IV federal student aid program, enabling eligible students to obtain low-interest loans through their school, to help pay the costs of postsecondary education. WPI was the lender. This can be done online at the ECSI website. The U.S. Department of Education (ED) governs the program. This is a loan and must be repaid.

WPI Institutional Loans

Institutional loans are WPI funds awarded to eligible students. WPI is the lender. First-time institutional loan borrowers must complete a Master Promissory Note and Disclosures. Disclosures must be completed each year. This can be done online at the ECSI website. This is a loan and must be repaid.    

Online Exit Interviews

Once a student either graduates or drops below half-time enrollment status, an online exit interview must be completed, according to regulations governing student loans. During the online session, you will receive information regarding your loans and the repayment terms. You will also receive information concerning loan consolidation—which loans you can consolidate and which you cannot. WPI's school code is Y8.  Get started…

Forms for Cancellations, Deferments, and Forbearances

WPI does not have school-specific forms, so please use the ECSI general forms.  

Form 1098-E

Every January, ECSI mails to all borrowers who paid more than $600.00 in student loan interest an IRS Form 1098-E to report the amount of student loan interest paid on your Perkins and Institutional Loans during the prior tax year. If you paid interest but it was less than $600.00, please visit your account on the ECSI website. This interest may be tax deductible. Please seek guidance from your tax advisor or the IRS. WPI and ECSI do not provide tax advice.

Sign Promissory Note

All students who have been awarded a Federal Perkins Loan or institutional loan are required to complete Entrance Counseling, as well as sign the Promissory note and Disclosures electronically on the ECSI website. If you have been awarded a Federal Perkins Loan, you will need your Federal Student Aid ID. The FSA ID is an electronic access code number that serves as an identifier. If you did not complete your FAFSA electronically, you can request an FSA ID from the U.S. Department of Education (ED) website. To apply for an FSA ID, or if you do not remember your FSA ID, please visit the official FSA ID site at

If you have been awarded an institutional loan, an FSA ID is not required; however, an ECSI PIN will be used for authentication purposes. ECSI will provide you this PIN number. If you previously signed a Master Promissory Note for your institutional loan, you still need to proceed to the ECSI website in order to review the disclosures and complete the self-certification form. Your loan will not be disbursed until all electronic processes are accurately completed, and the three-day cancellation period has lapsed.  

Step-by-Step Instructions

  1. Go to ECSI's Electronic Promissory Notes page to start the electronic signature process.
  2. Provide your Social Security Number, last name, and date of birth. 
  3. Provide your FSA ID when requested on the Student Authentication Network page, or use your ECSI PIN for ECSI Authentication, if you were awarded an institutional loan.
  4. Most pages require that you accept the terms by checking a box at the bottom of those pages. 
  5. You must provide complete reference information for yourself, next of kin (a relative), and two additional references. Failure to complete all lines accurately will prevent this loan from disbursing to your WPI student account. 
  6. Master Promissory Note—Read completely. Electronically sign at the bottom of the page. The electronic signature includes a check-off box plus your full legal name.