When is my payment due? And when will I receive a bill?
When your grace period ends and you begin the repayment process, your payment will be due on the first of every month. You will get your first bill at the end of your grace period, approximately 15 days prior to the first payment due date. 

I never received a bill, but I received a past due notice in the mail.
You might have requested to receive e-bills when you complete your exit interview. Your e-bill and notifications will be sent to the e-mail address you provided as part of the exit process. Please make sure to set your spam filter to accept email from these specific websites: ebill@ecsi.net and webmaster@ecsi.net. You can update your e-mail address or choose to receive your bills by mail on ECSI.  

Why do I have a hold on my account? And how do I get the hold removed?
The Student Loans Department may place a hold on your account if:

  • You did not complete your Exit Interview.
  • Your loan has defaulted.
  • Your Student Account balance was transferred to a Student Note.

You can get the hold(s) removed by:

  • Completing your Exit Interview.
  • Bringing your loan account current.
  • Paying off your Student Note in full.
     

I am still a student (or going back to school next semester). Do I have to complete the exit interview? 
You must be enrolled at least half-time or greater in order to be considered an 'enrolled student'. Also, if you stopped attending during the academic year, you will need to complete the exit interview. You may still have access to the grace period provided you have not exhausted the time allotted as per the terms of the loan. 
 
Will my loans be reported to a credit bureau? 
Yes. The status of all Perkins, Health Professions Student Loans, University Loans, and Student Notes are all reported at the end of every month. 
 
What can I do if I disagree with the information reported on my credit report? 
You can dispute any information by submitting an online or written dispute. See Student Loan Collections page for details. 
 
Where do I send my payment? 
Send all payments to the address via the methods described at Payment Options. 

Can I pay with a credit card? 
Yes. Credit card transactions are processed by ECSI. (Except VISA credit card.) Your credit card statement will reference ECSI, as the payee. There is a processing fee charged if done online or over the phone with a representative at ECSI. (See Payment Options for other payment choices.) 
 
Can I give authorization to a family member to access my loan information?  
If you wish to authorize someone else to obtain any information on your accounts, you must complete the Release of Information Authorization form and submit it to the Student Loans office. 
 
If I end up having credit on my Student Account from my loans, how can I receive a refund? 
You can request a refund through the Student Accounts Office. 
 
What is the Annual Disclosure Statement? And how can I access it? 
According to federal regulations, the University of the Pacific is required to provide borrowers with an annual disclosure statement. The disclosure statement details the disbursement activity and status of the loan. You can access and review your current disclosure statement by logging in to your ECSI account, under the Documents tab.  
 
I did not receive my 1098-E tax form for my loan(s). How can I get a copy? 
You can obtain a copy of your 1098-E tax form for your loans from ECSI. 
 

Contact Student Loans Department

Phone: 209.946.2446
Fax: 209.946.2653
Email: studentloans@pacific.edu

Location
Finance Center, 1st Floor
3622 Stagg Way
Stockton, CA 95211

Mailing Address
University of the Pacific
Attn: Student Loans
3601 Pacific Ave
Stockton, CA 95211

Office Hours
Monday through Friday from 8:30 a.m.–5 p.m.
Closed 12 p.m.–1 p.m. for lunch
Closed Thursday from 8:30 a.m.–9:30 a.m.