Loan Payment Options

There are 4 options to make payments for loans serviced by the Harvard Student Loan Office (Perkins, Institutional, HPSL, LDS, Wolfson).

Payment for Federal Direct Loans and Harvard University Employees Credit Union loans should be made to the lender.  The lenders of these loan programs are listed below.

Federal Direct Loans

Harvard University Employees Credit Union

Electronic Funds Transfer (EFT) via the Automated Clearinghouse (ACH) is a process that enables us to debit your bank account automatically each month for your loan payment. 

Go to www.heartlandecsi.com and sign up online following the instructions below.

1.    You will be asked to enter your school code which is:  K4
2.    Enter your 8-digit Harvard ID# (HUID).  
3.    Enter the PIN/password that you created while completing your Exit Interview or signing your promissory note.  If you have forgotten your PIN/password, click on “Need help logging in?" and answer the security questions presented. 

In the Make a Payment section you can choose one of two payment methods:
a. Direct Payment/ACH lets you set up one-time or recurring online payments on any one of 4 dates each month (1st, 10th, 15th or 20th or the next business day if it falls on a weekend) with no fee.
b. Instant eCheck lets you make a one-time ONLY payment on any business day except when ECSI is closed.  This option includes a $1.95 fee.

The Harvard University Student Loan Office has contracted with Western Union Business Solutions to provide international students with a way to make student loan payments in the currency of their choice.  Western Union offers a competitive rate of exchange as well as the convenience of being able to make payments in many international currencies through a local bank.  These payments usually take 2 to 5 business days after your local bank initiates payment to Harvard University.

Step 1: Initiate your payment quote online
•    Go to the Harvard Student Loan International Payment Portal   
•    Enter requested data (8-digit Harvard ID#, Name, Email).
•    Enter the amount due in U.S. Dollars.
•    Choose your currency type.
•    A payment amount in your currency of choice will automatically be generated. This quote is secured for 72 hours.
•    Agree to the payment amount and accept terms and conditions.
•    Download payment instructions, including a reference number, as a PDF document. You will need the reference number to complete your payment in Step 2.

Step 2: Transfer funds to Western Union Business Solutions
•    The payment instructions will tell you how to transfer funds through your personal bank or online.
•    If you have your bank send the funds to Western Union Business Solutions, be sure that they send your reference number.

Please note that there may be a fee associated with this type of payment from the banking institution where the transaction is originated.

International Transfers (outside US)

Bank of America
100 Federal Street
Boston, MA 02110
ABA:  026009593
(Swift code)  BOFAUS3N
Acct# 22270060
President & Fellows of Harvard College
Memo: Student Loan Office, Your Harvard ID# and Name

Domestic Transfers (inside US)

Bank of America
100 Federal Street
Boston,  MA 02110
ABA:  011000138
Acct# 22270060
President & Fellows of Harvard College
Memo: Student Loan Office, Your Harvard ID# and Name

U.S. Currency checks can be sent to: Harvard University, PO Box 6304, Boston MA  02212.

Foreign and U.S. currency checks can be sent to:  Harvard University, Student Loan Office, 1033 Massachusetts Ave., 2nd Floor, Cambridge, MA  02138.