Soka Loan Repayment

Soka University of America (SUA) is pleased to announce that the billing for Soka based loans will be handled by Heartland Campus Solutions ECSI (Heartland ESCI). Heartland ESCI is a billing service for the university, not a collection agency. You will begin receiving your bills from Heartland ESCI prior to your 1st payment. Features of the Heartland ESCI:

Features of the Heartland ECSI service:

  • Ability to access accounts on the Internet at
  • Verify payments, update contact information, check your account balance, obtain loan payoff amounts, and/or signup for electronic billing.

Making payments by check:

  • Write your student ID on your check or money order. 
  • Make checks payable to “Soka University of America” and mail to Heartland ESCI (Do not send cash.) 
  • Please do not send your payments directly to Soka University of America.

Mailing address:

Soka University of America
C/O Heartland ECSI
100 Global View Drive
Warrendale, PA 15086
Phone: 888-549-3274 
Office Hours:  Mon-Fri   7:30am - 8:00pm EST

Important Note:

Payments that are sent directly to SUA will need to be forwarded to Heartland ESCI for processing and that the Heartland ESCI processing date will determine any applicable penalties or late charges related to late payments.

Student Loan Default

The Office of Student Accounts will place a hold on any delinquent student loan accounts. A hold will prevent the student from registering and receiving all services from SUA including release of transcript, grades, and alumni service. Account balance and hold information is available through the loan servicer for Soka Loans and through the lender for federal loans.

Delinquent loans will include accounts past due and/or accounts placed with a collection agency.  Delinquent loans will be reported to credit bureaus, and borrowers will be responsible for any collection costs including but not limited to agency fees, attorney's fees, court costs, and other fees relating to collection of the loan.

Student Loan Deferment & Economic Hardship

A borrower who is enrolled at least half-time in an eligible institution may defer their student loan repayment. During this in-school deferment, interest will not accrue. To qualify for the deferment, the student must be enrolled as a regular student in an eligible institution of higher education or a comparable institution outside of the United States approved by the Department of Education for deferment purposes.

To be considered for this deferment, SUA Loan Deferment Form must be completed and submitted to Heartland ESCI with enrollment verification.

A borrower who does not qualify for in-school deferment may file for forbearance or economic hardship deferment. SUA Loan Forbearance & Economic Hardship Request Form must be completed with appropriate and complete documentation. This form should be submitted to the Office of Student Accounts at SUA for review and approval. All incomplete application or missing documents will be returned. Please note that deferment will only take effect from the date of approval.

For Soka Parent loans, please contact the Office of Student Accounts.

Downloadable Forms