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UCLA Student Loan Services and Collections
UCLA Student Loan Services and Collections - Debt Management

Welcome to the UCLA Collections Office

The Collections Office provides counseling for Bruins repaying their federal student loans, and for Bruins with outstanding debts with the University. Our office works with students, graduates, and Bruins of all kinds to find the best way to bring (and keep) your loans current, and repayment options that fit any budget.

Please visit our Contact Us page for the latest information on our office hours.


Navigating repayment can be challenging. If you have borrowed wisely and possess a basic understanding of loan terms and conditions, repayment does not have to be so trying. Exploring the TELL ME ABOUT… topics below will help you to understand the importance of:

  • Comprehending loan-related terminology
  • Selecting the best loan repayment plan for you
  • Making use of deferments
  • Knowing what to do if you hit a rough spot financially
  • Consolidating or not consolidating your loans

Whether you are in repayment, about to go into repayment, or just contemplating taking out a student loan, it is always beneficial to learn more concerning the loan/repayment process. Acquiring and making use of that knowledge could ultimately save you money. The links below will take you to the pages where various loan-related topics will be further examined.


Introduction to Repayment

Starting Repayment
Knowing ‘the basics’ before making that first payment

Repayment Plans
Understanding the many choices offered

Deferments / Forbearance / Cancellations
Making use of benefits

Loan Consolidation
Determining the advantages and disadvantages

General Announcements

    Perkins, Regents, Dream, or Health Professional Loans

    If you have a question regarding the repayment of your Perkins, Regents, Dream or Health Professional Loans, please call Heartland ECSI at (888) 549-3274 or visit them online at for assistance.

    Forms for Deferments
    Deferment forms can be found on the ECSI website. You can also e-mail one of our counselors based on your last name or visit our Contact Us page for Phone/Zoom hours to discuss your loan details.

Important News

  • Student Debt Relief Plan Explained
    The Biden-Harris Administration and the U.S. Department of Education (DOE) have announced a three-part plan to help working and middle-class federal student loan borrowers transition back to regular payment as pandemic-related support expires. This plan includes loan forgiveness of up to $20,000. Many borrowers and families may be asking themselves “what do I have to do to claim this relief?” For an answer to this question and more, visit the U. S. Department of Education's webpage dedicated to this topic at for information.

    Are current students eligible for this special loan forgiveness?
    Federal student loans awarded to current students as well as graduates with federally-held undergraduate, graduate and Parent PLUS loans are eligible, so long as the loans were fully disbursed by June 30, 2022.

    Can borrowers get a refund on payments made during payment pause?

    The DOE says that borrowers who made payments (including auto-debit payments) on federally-held loans during the COVID payment pause, which began on March 13, 2020, can request a refund via their loan servicer. Go to the DOE's website at for further information.

  • "Fresh Start" for Borrowers in Default
    On April 6, 2022, the U.S. Department of Education (DOE) announced an initiative called "Fresh Start" to help federal student loan borrowers who find themselves in default on their federal student loans. Those who are eligible will temporarily regain several student aid benefits as well as get the opportunity to get out of default and keep those benefits for the long term. For details and instructions, visit the DOE's website at today! Please note that Fresh Start will continue on for only one year after the COVID-19 Payment Pause ends on December 31, 2022. For those in default on their federal student loans -- take this opportunity to get a fresh start with Fresh Start.