Loan Repayment

Exit counseling is required by law. Exit counseling provides important information that you will need as you prepare to repay your loan. During exit counseling you will review the terms and conditions that apply to your loan, be introduced to your prepayment plan and learn important information to avoid default. The purpose of exit counseling is to ensure you know your rights and responsibilities as a loan borrower who must begin repaying the loan back within 6 months of departing St. Olaf.

Loan exit counseling is required by any student who is dropping below half time, withdrawing from St Olaf, taking a leave of absence, transferring, or graduating from St. Olaf College. Graduating students will not receive their diploma until their exit counseling is done.

Students can complete exit counseling online by following the steps below:

Sign in or create an ESCI account.
Click on “Connect An Account” and provide your Heartland Key. You will be redirected once this is complete.
Select the school name, then click “View Account”.
Your exit interview will be listed under the “Documents” tab.
Reach out to ECSI/Heartland directly with any questions.

You MUST change your contact information during the exit counseling process. Do NOT list your St. Olaf email or physical address as your contact information.

Failure to keep your contact information up to date can limit our ability to reach you with important information regarding your loans and may result in your account being placed with an outside collection agency for repayment.

St. Olaf College Loan Payment Website (ECSI)

More Information on Repayment

Federal Perkins Loans (2018 or earlier)

Repayment and Exit Counseling through St. Olaf

Perkins Deferment and Cancellation Requests

General Repayment Information