• For Federal Student Loans, you are considered to be in default if you don’t make your scheduled student loan payments for at least 270 days.  
• For Campus-Based Loans being serviced by Heartland ECSI, you are considered to be in default if you don t make your scheduled student loan payments for at least 240 days. 

The consequences of default are serious, and many options are available to assist borrowers in avoiding default.

University Bursar strongly encourages borrowers to contact their servicers to discuss options to avoid becoming delinquent if they face missing a payment.