Repaying your loans is easy
With Higher Education Servicing Corporation
Higher Education Servicing Corporation (HESC) was established in 1978 as a private, non-profit
organization developed to provide life-of-loan servicing for student loan programs that help ensure
students and families have access to higher education.
After more than 38 years, we continue to achieve our mission of helping students and families finance
their higher education through a variety of public benefit services and low-cost private education
loans. By promoting a college-going culture through our outreach initiatives, community partnerships
and responsible financial products and services, HESC will continue to assist students and families in
their goal of attaining a higher education for years to come.
Create An Account
Access your account online to check your loan
balance, make a payment, update your contact information, sign up for auto debit and much more!
Federal Loan Forms
Check out our Forms page if you're interested
in applying for a deferment, forbearance, forgiveness program or a different repayment option.
Need to know how much your student loan(s) will
cost you each month? Check out our repayment calculator to find out.
Building Financial Confidence
We know that making smart financial decisions is important, but not always as easy
as it sounds. That's why we offer free financial tools and resources. Below are just a few of the topics
and courses you can explore.
Click here to learn more!
Learn how you can take greater control of your finances and make smarter financial decisions.
Explore ways you can prepare for some of life's biggest moments like owning a home, planning for
retirement and more.
Are you interested in going back to college or learning more about the options you have to pay for
college? If so, check out Types of Aid under the Topics section.
Federal Student Loan Repayment Options
Learn more about our repayment options and which is best for you!
Have Questions? Contact us!
Most Commonly Used FormS
Browse through our most commonly used forms or click the link below to view all of our forms and
Forget the hassle of mailing your student loan payment each month! Sign up today for Auto Debit
payments. Click here for our Private Loan Auto Debit Enrollment
Deferment request for qualified borrowers who have returned to school on at least a half-time basis.
Contact us if you have questions about In-School Deferement for Private Loans.
If you're financially unable to make your payments, you may be eligible for this temporary suspension
or reduction of payments.
Begin repaying your loan at a lower payment amount than normal. Every two years, your payment amount
will increase. This repayment plan is for Federal Loans only.
If you owe at least $30,000 in loans, you may qualify for Extended Repayment, which allows you to
extend your repayment term up to 25 years. This repayment plan is for Federal Loans only.
Lower your monthly payment based on your income during any period when you have a partial financial
hardship. Your monthly payment amount may be adjusted annually. This plan is for Federal Loans only.