Former Student Accounts

Student Financial Services is responsible for the collection of Federal Perkins Loans. We contract with a third-party billing company, Heartland ECSI, Inc., for the billing and collection of our Federal Perkins Student Loans. You may access this site to obtain a wide variety of information regarding your Federal Perkins loan accounts, such as:

1. 1098-E Tax Information.
2. Online bill payments.
3. Information and setup procedures for automatic monthly payments.
4. Deferment, forbearance and cancellation forms.

The Perkins Loan Exit Interview aims to inform you of your rights and responsibilities regarding the repayment of any loan(s) you have received while attending Clemson University. This conference also allows you to complete the exit interview forms as federal regulations require.

Please make a special note of the following:

1. Federal regulations require that students complete an exit interview when:
   1. The student drops below six credit hours of study.
   2. The student graduates.
   3. The student withdraws from Clemson University.
   4. The student transfers to another University.
2. If you cannot make a scheduled payment for any reason, have changed your name or need to update your billing address, notify Heartland ECSI, Inc.
3. The billing agent for Clemson University is:
4. Heartland ECSI, Inc.
   It is your responsibility to notify Heartland ECSI if you have changed your name or billing address.

If you are eligible for deferment, postponement or partial cancellation benefits, you must promptly file the appropriate form and be adequately certified. Forms are available from our billing agent.

Any student with a balance may be unable to request a transcript from Clemson University. Please contact Student Financial Services to discuss your balance and determine payment options. 

Departments within the University may transfer delinquent, uncollectible accounts to Student Financial Services to be placed on your iROAR account. Once University accounts have been transferred to Student Financial Services, you must make payments to our department.

Non-payment will result in the following University actions:

• Assessment of billing and collection charges.
• Placement of hold on all University services, diplomas and access to register for subsequent semesters.
• Transcripts may be held.
• Placement of the account with a collection agency.

See the Financial Responsibilities of Students for more information.

If you are unable to pay your debt in full, our department can help you establish payment arrangements to prevent the placement of the debt with a collection agency. Please note that students must pay their account in full with Student Financial Services to have registration or diploma holds released. Additionally, transcripts may be held until payment in full is received.

If you have a hold from Student Financial Services, you may mail your payment to Student Financial Services, G-08 Sikes Hall, Box 345307, Clemson, SC 29634. Please include the name and CUID#.

The Setoff Debt Collection Act is designed to facilitate the collection of debts owed by an individual to an agency of the State.

Debtors to the University, a S.C. State Agency, with debts of $50.00 or greater and in arrears of ninety days or more will be reported to the S.C. Department of Revenue for potential set off against their S.C. individual income tax refunds.

The Department of Revenue will:

• Place a hold on state income tax returns due to debtors whose names have been submitted.
• Notify the taxpayer that the University has a claim against their income tax refund.
• Forward the amount of the refund claimed to the University, less a $25 collection fee.

The debtor must contact the University's Student Collections for additional information regarding their account. Student records will remain tagged until the financial obligation is satisfied.

The act allows the alleged debtor to file a written protest for the validity of the debt. You must submit the written protest within 30 days from the date of notification of the University's claim and must contain the information below:

• Your name.
• Your address.
• Your Social Security number.
• Type of debt in dispute.
• A detailed statement of all reasons you disagree with the debt amount or dispute that you owe the debt.

You must mail this written protest to Clemson University. For complete information, please contact Student Financial Services at 864-656-5592 or studentbillquestions@clemson.edu.

The debtor waives their right to protest if they fail to file a written request within 30 days.