Loan Repayment: Institutional Loans

MWU takes pride in assisting its students as they prepare to leave our institution whether it is due to graduation, withdrawal, or transfer to another institution. We emphasize the importance for you to make arrangements to repay your student loans. Repaying your student loan(s) establishes your financial independence and credit history. Since institutional student loan programs are revolving loan funds, repaying your loans will highly benefit future students in need of additional funding.

Click on the Institutional Loan Program below for detailed loan repayment information: 

CCOM/AZCOM Loan                               Edna Dunning Loan                               Health Professions Student Loan (HPSL)
Lucas Loan David Monash Loan Federal Perkins Loan
Primary Care Loan MWU Loan


Frequently Asked Questions  


Loan Repayment Administration Contacts (both campuses)

Operation Hours
8:00 a.m. to 4:30 p.m. Monday through Friday

Toll Free: (866) PAY-2MWU / (866) 729-2698
Local: (630) 515-6352 - (630) 515-6353 - (623) 572-3793
Fax: (630) 515-6384 IL  (623) 572-3283 AZ

Marta E. Andino, B.A., CPFM - Manager, Student Loan Administration

Filippo Chiarenza, MSOL, CPFM - Student Loan Repayment Administrator  

Karen Eckhart, B.S., CPFM  - Student Loan Repayment Administrator

Dan Rothschild, B.A.,  - Credit and Loan Repayment Administrator


Heartland ECSI provides billing services for Midwestern University's Institutional Loan Programs. You will be receiving monthly statements from ECSI via regular mail or e-mail. Payments should be directed to ECSI. Once your account is been credited, ECSI will notify MWU about your payment.

Heartland ECSI
100 Global View Drive
Warrendale, PA 15086
Toll Free: 1-888-549-3274

School Code - K7 
School Code - 2i (MWU Loan Borrowers Only) 

MWU Loan Repayment Office is in contact with ECSI on a daily basis. Should you have questions regarding your billing or a problem with your payment schedule, please contact our Loan Repayment Office.

Online Account Access

You can access your online account 24/7 to view your statements, make payments, update your contact information, and much more. To login you must use the PIN Number ECSI provided to you (do not use your federal aid PIN number). If you did not receive or you forgot your PIN just click E-mail My PIN. To retrieve your PIN you will need to provide your Social Security number and School Code: K7 and /or 2i (MWU Loan Borrowers Only.)

Change of Name, Address, or Contact Information

It is your responsibility to promptly notify the Loan Repayment Office or ECSI when there is a change in name, address, or contact information. Keeping your information current is crucial because it is used for repayment, deferments, cancellations, 1098-E, and other important notifications you must receive.


You are expected to begin repayment on any student loan(s) you have borrowed after the grace period ends. Not all loans have a grace period so you are expected to begin repayment on those loans immediately.

Grace Period Chart

Institutional Loan

Grace Period



6 mo

Interest will accrue while in grace

David Monash Loan


Interest will accrue upon graduation

Edna Dunning Loan


Interest will accrue upon graduation

Federal Perkins Loan

9 mo

Interest will not accrue while in grace


12 mo 

Interest will not accrue while in grace

Lucas Loan 


Interest will accrue upon graduation

Primary Care Loan

12 mo 

Interest will not accrue upon graduation

MWU Loan 

6 mo 

Interest will accrue upon disbursement




If you cannot afford to make payments there are options that may be available to you. Please keep in mind that ECSI and our Loan Repayment Office are your best sources for repayment information. We are here for you!!!

What is Forbearance?

Forbearance is a temporary postponement of your payments during which interest accrues.

The interest that accrues during forbearance can be paid on a monthly basis or at the end of the forbearance. We highly recommend you pay the accrued interest on a monthly basis to avoid having to pay a large lump sum at the end of the forbearance.

Forbearance may be granted when you are experiencing financial hardship, poor health, or other acceptable reasons. You may alternatively request an extension of time allowed for making payments or the acceptance of smaller payments than were previously scheduled.

What is Deferment?

A deferment is a temporary postponement of your payments in which interest will not accrue.

For the MWU Loan Program, interest will continue to accrue. 

Deferments are granted for specific situations, such as enrollment in school, unemployment, or economic hardship.