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FAQ

Where do I send my student loan payment?

U.S. Currency can be sent to: Heartland ECSI, PO Box 718, Wexford, PA  15090.  Foreign and U.S. currency can be sent to:  Harvard University, Student Loan Office, Smith Campus Center 801, 1350 Massachusetts Ave., Cambridge, MA  02138.

How much tax will I be charged?

If you are a U.S. citizen Harvard will not withhold taxes from your taxable scholarship or stipend. If you are a foreign student, the taxable portion of your award will be taxed at a rate of 14%.

Some foreign students come from countries that have a tax treaty with the United States, and can claim exemption from U.S. taxes. International students receiving taxable scholarships from Harvard will receive an e-mail from the Student Accounts Office which will include information about your tax status and tax treaties. If you have questions about your eligibility, you can...

Read more about How much tax will I be charged?

What is a 1099-HC?

Proof of Health Coverage, and is used to complete Schedule HC  on Massachusetts State tax returns.

What is a 1098-E?

Form 1098-E reports interest you paid on a student loan during the preceding year.  The lenders that service your student loans must send you a copy of Form 1098-E by January 31st.